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Gnb Bank

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

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2025-Q1QoQ -6

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

Quarterly Headline

2025-Q1

Bank #724744 2025-Q1 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.73% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2024:
↓ -6 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -9
  • Reserves
    ↓ -21

The five pillars

Liquidity

StableQoQ 0
69
Sub-score

Liquidity is stable: brokered 9.8%, loans/deposits 85.8%, cash 2.7% of assets.

Cash / Assets
2.73%
Loans / Deposits
85.77%
Brokered %
9.81%

Watch Items

  • infoCash / Assets below 3% — Cash 2.73% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.29%
No watch items at this period.

Capitalization

StrongQoQ -4
91
Sub-score

Capital position is strong: Tier 1 RBC 13.17%, CET1 13.17%, leverage 10.78%.

Tier 1 RBC
13.17%
CET1
13.17%
Leverage
10.78%
No watch items at this period.

Asset Quality

StrongQoQ -9
91
Sub-score

Asset quality is strong: Adjusted NPL 1.45%, Texas Ratio 8.6%, NCO YTD -0.21%.

Adjusted NPL
1.45%
Govt-guarantees stripped
Texas Ratio
8.6%
NCO YTD
-0.21%
30-89 PD
0.45%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -21
74
Sub-score

Reserves are stable: ALLL 1.45% of loans, coverage 101.3%, true coverage 94.7%.

ALLL / Loans
1.45%
Coverage
101.3%
True Loss Coverage
94.7%
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