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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-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
60
/ 100
StableAs of 2025-Q2QoQ -6

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

Quarterly Headline

2025-Q2

Bank #226949 2025-Q2 Vital Signs Score: 60/100 — 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 17.30% (govt-guarantees stripped).
  2. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 2.76%.
  3. watch
    Texas Ratio above 50%
    Asset Quality — Texas Ratio 92.5% (industry watch band 50% / risk band 100%).

What changed this quarter

Compared to Q1 2025:
↓ -6 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -13
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -6

The five pillars

Liquidity

StrongQoQ +1
98
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 73.3%, cash 19.6% of assets.

Cash / Assets
19.56%
Loans / Deposits
73.27%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.10%
No watch items at this period.

Capitalization

StableQoQ -13
65
Sub-score

Capital position is stable: Tier 1 RBC 11.14%, CET1 11.14%, leverage 8.64%.

Tier 1 RBC
11.14%
CET1
11.14%
Leverage
8.64%
No watch items at this period.

Asset Quality

RiskQoQ -7
18
Sub-score

Asset quality is weak: Adjusted NPL 17.30%, Texas Ratio 92.5%, NCO YTD 0.00%.

Adjusted NPL
17.30%
Govt-guarantees stripped
Texas Ratio
92.5%
NCO YTD
0.00%
30-89 PD
6.22%
Band 0.3% / 3.0%
90+ PD
2.76%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 17.30% (govt-guarantees stripped).
  • watchTexas Ratio above 50% — Texas Ratio 92.5% (industry watch band 50% / risk band 100%).
  • risk90+ days past due elevated — 90+ PD 2.76%.

Reserves

RiskQoQ -6
33
Sub-score

Reserves are weak: ALLL 4.59% of loans, coverage 27.8%, true coverage 27.8%.

ALLL / Loans
4.59%
Coverage
27.8%
True Loss Coverage
27.8%

Watch Items

  • watchALLL / NPL below 50% — Coverage 27.8% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 27.8% (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