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Grand Timber Bank

IDRSSD: 918356
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 1 alert active.

Summary

RSSD 918356 held $65.2M in total assets as of 2026-03-31 (+2.1% quarter-over-quarter). Total loans stood at $54.4M (-2.2% QoQ) and total deposits at $53.6M (+2.1% QoQ).

Overall position is weak — the composite Health Score is 39/100 (Weak). Tier 1 / RWA stands at 14.20%, in the bottom quartile of peers. Asset quality (NPL ratio) sits in the bottom quartile of peers.

1 Quarterly Anomaly Alert fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
39/100
Weak
Active Alerts
1
0 critical, 1 warning
Total Assets
$65.2M
+2.1% QoQ
Total Loans
$54.4M
-2.2% QoQ
Total Deposits
$53.6M
+2.1% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
14.20%
18th pctile · n=201↑ better
+66 bp QoQ
CET1 / RWA
14.20%
63th pctile · n=433↑ better
+66 bp QoQ
Total RBC / RWA
15.45%
19th pctile · n=201↑ better
+65 bp QoQ
Tier 1 Leverage Ratio
14.20%
62th pctile · n=433↑ better
+66 bp QoQ

Liquidity

Cash / Assets
1.39%
16th pctile · n=433↑ better
+0 bp QoQ
Loans / Deposits
101.38%
94th pctile · n=423↓ better
-446 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
2.34%
85th pctile · n=433↓ better
-70 bp QoQ
NPA / Assets
2.24%
93th pctile · n=433↓ better
-44 bp QoQ
Texas Ratio (regulatory)
18.80%
94th pctile · n=433↓ better
-349 bp QoQ
Net Charge-Offs / Avg Loans
1.17%
97th pctile · n=433↓ better
+105 bp QoQ
ALLL Coverage of NPL
48.87%
43th pctile · n=433↑ better
+269 bp QoQ

Earnings

Net Interest Margin
5.97%
98th pctile · n=433↑ better
-22 bp QoQ
Return on Assets
1.52%
77th pctile · n=433↑ better
+24 bp QoQ
Return on Equity
11.50%
68th pctile · n=433↑ better
+182 bp QoQ
Efficiency Ratio
62.57%
32th pctile · n=433↓ better
+234 bp QoQ
Pre-tax NOI / Avg Assets
2.13%
88th pctile · n=433↑ better
+41 bp QoQ

Funding

Brokered / Deposits
0.39%
83th pctile · n=423↓ better
-1 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
3.98%
86th pctile · n=433↓ better
-8 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
4.88%
16th pctile · n=433↑ better
-92 bp QoQ
AFS Securities / Assets
1.64%
22th pctile · n=433↑ better
-16 bp QoQ
HTM Securities / Assets
3.23%
84th pctile · n=433↑ better
-76 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-12 21:12:29 UTC