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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
64
/ 100
StableAs of 2024-Q3QoQ -5

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

Quarterly Headline

2024-Q3

Bank #226949 2024-Q3 Vital Signs Score: 64/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 7.96% (govt-guarantees stripped).
  2. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 4.48%.
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 34.3% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q2 2024:
↓ -5 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -9
  • Reserves
    ↓ -8

The five pillars

Liquidity

StrongQoQ -2
95
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 80.8%, cash 13.3% of assets.

Cash / Assets
13.33%
Loans / Deposits
80.85%
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
0.93%
No watch items at this period.

Capitalization

StableQoQ -4
74
Sub-score

Capital position is stable: Tier 1 RBC 11.65%, CET1 11.65%, leverage 9.47%.

Tier 1 RBC
11.65%
CET1
11.65%
Leverage
9.47%
No watch items at this period.

Asset Quality

RiskQoQ -9
26
Sub-score

Asset quality is weak: Adjusted NPL 7.96%, Texas Ratio 48.0%, NCO YTD 0.00%.

Adjusted NPL
7.96%
Govt-guarantees stripped
Texas Ratio
48.0%
NCO YTD
0.00%
30-89 PD
3.52%
Band 0.3% / 3.0%
90+ PD
4.48%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 7.96% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 4.48%.

Reserves

RiskQoQ -8
35
Sub-score

Reserves are weak: ALLL 2.66% of loans, coverage 34.3%, true coverage 34.3%.

ALLL / Loans
2.66%
Coverage
34.3%
True Loss Coverage
34.3%

Watch Items

  • watchALLL / NPL below 50% — Coverage 34.3% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 34.3% (Adjusted NPL + Performing Mods denominator).

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