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Gnb Bank

IDRSSD: 724744
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2024-Q1QoQ -3

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q1

Bank #724744 2024-Q1 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.60% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↓ -3 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -3

The five pillars

Liquidity

StableQoQ -2
70
Sub-score

Liquidity is stable: brokered 10.7%, loans/deposits 83.7%, cash 2.6% of assets.

Cash / Assets
2.60%
Loans / Deposits
83.73%
Brokered %
10.66%

Watch Items

  • infoCash / Assets below 3% — Cash 2.60% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 10.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.35%
No watch items at this period.

Capitalization

StrongQoQ +1
89
Sub-score

Capital position is strong: Tier 1 RBC 12.36%, CET1 12.36%, leverage 9.98%.

Tier 1 RBC
12.36%
CET1
12.36%
Leverage
9.98%
No watch items at this period.

Asset Quality

StrongQoQ -8
92
Sub-score

Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD 0.69%.

Adjusted NPL
0.00%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
0.69%
30-89 PD
0.76%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -3
97
Sub-score

Reserves are strong: ALLL 1.44% of loans, true coverage 1402.2%.

ALLL / Loans
1.44%
Coverage
—
True Loss Coverage
1402.2%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 17:05:13 UTC