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Gogebic Range Bank

IDRSSD: 3025929
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Vital Signs Report

5-pillar quarterly review (Liquidity, Securities, Capitalization, Asset Quality, Reserves) for 2025-Q4. Composite Vital Signs Score and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-Q4QoQ -5

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

Quarterly Headline

2025-Q4

Bank #3025929 2025-Q4 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Capitalization (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.41% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ -5 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↓ -15
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -10

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 44.3%, cash 10.3% of assets.

Cash / Assets
10.28%
Loans / Deposits
44.28%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 10.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.24%
No watch items at this period.

Capitalization

RiskQoQ -15
35
Sub-score

Capital position is weak: CET1 0.00%, leverage 8.15%.

Tier 1 RBC
—
CET1
0.00%
Leverage
8.15%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ +1
84
Sub-score

Asset quality is strong: Adjusted NPL 2.41%, Texas Ratio 10.2%, NCO YTD 0.11%.

Adjusted NPL
2.41%
Govt-guarantees stripped
Texas Ratio
10.2%
NCO YTD
0.11%
30-89 PD
0.24%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.41% (govt-guarantees stripped).

Reserves

StableQoQ -10
78
Sub-score

Reserves are stable: ALLL 2.36% of loans, coverage 100.4%, true coverage 100.4%.

ALLL / Loans
2.36%
Coverage
100.4%
True Loss Coverage
100.4%
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%. Pillars with no available metrics are dropped from the denominator (renormalised). See functions/src/vitalSignsScore.ts for exact formula and sub-score band anchors.
Pillar status
Strong ≥ 80, Stable ≥ 60, Watch ≥ 40, Risk < 40. Bands are scoring buckets, NOT regulatory thresholds.
Watch Items
Per-pillar rule trips with severity (Risk / Watch / Info) assigned by how far the metric breaches its threshold. Top-3 panel ranks across pillars: severity dominates, magnitude breaks ties.
Adjusted NPL
Noncurrent loans minus government-guaranteed nonaccrual (sourced from FFIEC Schedule RC-N Memorandum item 2). Strips out exposure with implicit US government backing, the same formula used by the Loan Restructuring Watch builder.
True Loss Coverage Ratio
ALLL ÷ (Adjusted NPL + Performing Mods). Surfaces under-reservation that conventional ALLL/NPL hides when banks aggressively modify rather than charge off.
Past-due 30-89 / 90+ PD
Bank-wide totals from FFIEC Schedule RC-N (30-89 days past due and 90+ days past due still accruing) divided by total loans and leases (net of unearned income). Score bands: 30-89 PD Good 0.3% / Bad 3.0%; 90+ PD Good 0.1% / Bad 2.0%.
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, Watch Item rules, and per-quarter URL surface are Visbanking's own work.

Generated: 2026-05-14 02:46:58 UTC