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Grand Rivers Community Bank

IDRSSD: 226949
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2024-Q2QoQ -22

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

Quarterly Headline

2024-Q2

Bank #226949 2024-Q2 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.43% (govt-guarantees stripped).
  2. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.95%.

What changed this quarter

Compared to Q1 2024:
↓ -22 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ -48
  • Reserves
    ↓ -57

The five pillars

Liquidity

StrongQoQ -4
96
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 77.0%, cash 17.6% of assets.

Cash / Assets
17.61%
Loans / Deposits
77.04%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.86%
No watch items at this period.

Capitalization

StableQoQ -5
77
Sub-score

Capital position is stable: Tier 1 RBC 12.06%, CET1 12.06%, leverage 9.27%.

Tier 1 RBC
12.06%
CET1
12.06%
Leverage
9.27%
No watch items at this period.

Asset Quality

RiskQoQ -48
36
Sub-score

Asset quality is weak: Adjusted NPL 5.43%, Texas Ratio 32.3%, NCO YTD 0.00%.

Adjusted NPL
5.43%
Govt-guarantees stripped
Texas Ratio
32.3%
NCO YTD
0.00%
30-89 PD
2.04%
Band 0.3% / 3.0%
90+ PD
1.95%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.43% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.95%.

Reserves

WatchQoQ -57
43
Sub-score

Reserves are deteriorating: ALLL 2.65% of loans, coverage 50.2%, true coverage 50.2%.

ALLL / Loans
2.65%
Coverage
50.2%
True Loss Coverage
50.2%
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: 2026-05-12 02:16:47 UTC