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Grand Marais State Bank

IDRSSD: 945950
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2023-Q4QoQ -2

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

Quarterly Headline

2023-Q4

Bank #945950 2023-Q4 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Asset Quality (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.56% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↓ -2 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    ↑ +8
  • Capitalization
    ↑ +8
  • Asset Quality
    ↓ -4
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +5
81
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 69.0%, cash 1.6% of assets.

Cash / Assets
1.56%
Loans / Deposits
69.00%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.56% of assets (threshold 3%).

Securities

StrongQoQ +8
81
Sub-score

Securities profile is strong: securities 25.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
25.57%
No watch items at this period.

Capitalization

StrongQoQ +8
87
Sub-score

Capital position is strong: Tier 1 RBC 14.67%, CET1 14.67%, leverage 7.63%.

Tier 1 RBC
14.67%
CET1
14.67%
Leverage
7.63%
No watch items at this period.

Asset Quality

StrongQoQ -4
96
Sub-score

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

Adjusted NPL
0.00%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
0.00%
30-89 PD
0.90%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Watch
51
Sub-score

Reserves are deteriorating: ALLL 1.01% of loans.

ALLL / Loans
1.01%
Coverage
—
True Loss Coverage
—
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: 2026-05-15 09:29:21 UTC