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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
66
/ 100
StableAs of 2025-Q1QoQ -11

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

Quarterly Headline

2025-Q1

Bank #226949 2025-Q1 Vital Signs Score: 66/100 — 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 10.37% (govt-guarantees stripped).
  2. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 2.29%.
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 43.5% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2024:
↓ -11 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↓ -27
  • Reserves
    ↓ -41

The five pillars

Liquidity

StrongQoQ +2
97
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 75.6%, cash 18.0% of assets.

Cash / Assets
17.98%
Loans / Deposits
75.56%
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
1.04%
No watch items at this period.

Capitalization

StableQoQ +5
78
Sub-score

Capital position is stable: Tier 1 RBC 12.13%, CET1 12.13%, leverage 9.24%.

Tier 1 RBC
12.13%
CET1
12.13%
Leverage
9.24%
No watch items at this period.

Asset Quality

RiskQoQ -27
25
Sub-score

Asset quality is weak: Adjusted NPL 10.37%, Texas Ratio 56.1%, NCO YTD 0.00%.

Adjusted NPL
10.37%
Govt-guarantees stripped
Texas Ratio
56.1%
NCO YTD
0.00%
30-89 PD
10.80%
Band 0.3% / 3.0%
90+ PD
2.29%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 10.37% (govt-guarantees stripped).
  • infoTexas Ratio above 50% — Texas Ratio 56.1% (industry watch band 50% / risk band 100%).
  • watch90+ days past due elevated — 90+ PD 2.29%.

Reserves

RiskQoQ -41
40
Sub-score

Reserves are weak: ALLL 4.31% of loans, coverage 43.5%, true coverage 43.5%.

ALLL / Loans
4.31%
Coverage
43.5%
True Loss Coverage
43.5%

Watch Items

  • infoALLL / NPL below 50% — Coverage 43.5% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 43.5% (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