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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2024-Q4QoQ +13

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

Quarterly Headline

2024-Q4

Bank #226949 2024-Q4 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.19% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↑ +13 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +25
  • Reserves
    ↑ +45

The five pillars

Liquidity

StrongQoQ +1
96
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 78.6%, cash 15.0% of assets.

Cash / Assets
15.01%
Loans / Deposits
78.60%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.02%
No watch items at this period.

Capitalization

StableQoQ -1
73
Sub-score

Capital position is stable: Tier 1 RBC 11.72%, CET1 11.72%, leverage 9.11%.

Tier 1 RBC
11.72%
CET1
11.72%
Leverage
9.11%
No watch items at this period.

Asset Quality

WatchQoQ +25
51
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.19%, Texas Ratio 22.7%, NCO YTD 0.00%.

Adjusted NPL
4.19%
Govt-guarantees stripped
Texas Ratio
22.7%
NCO YTD
0.00%
30-89 PD
15.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.19% (govt-guarantees stripped).

Reserves

StrongQoQ +45
81
Sub-score

Reserves are strong: ALLL 4.51% of loans, coverage 112.7%, true coverage 112.7%.

ALLL / Loans
4.51%
Coverage
112.7%
True Loss Coverage
112.7%
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: 2026-05-12 02:16:47 UTC