Visbanking Logo
Skip to main content

Grand Timber Bank

IDRSSD: 918356
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
77
/ 100
StableAs of 2024-Q3QoQ +2

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 #918356 2024-Q3 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 36.4% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 105.6% (threshold 100%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.26% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +7
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ +1
66
Sub-score

Liquidity is stable: brokered 0.4%, loans/deposits 105.6%, cash 2.8% of assets.

Cash / Assets
2.84%
Loans / Deposits
105.63%
Brokered %
0.42%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 105.6% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.84% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.19%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.29%, CET1 15.29%, leverage 11.58%.

Tier 1 RBC
15.29%
CET1
15.29%
Leverage
11.58%
No watch items at this period.

Asset Quality

StableQoQ +7
78
Sub-score

Asset quality is stable: Adjusted NPL 2.26%, Texas Ratio 14.9%, NCO YTD 0.04%.

Adjusted NPL
2.26%
Govt-guarantees stripped
Texas Ratio
14.9%
NCO YTD
0.04%
30-89 PD
1.33%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.26% (govt-guarantees stripped).

Reserves

RiskQoQ +1
30
Sub-score

Reserves are weak: ALLL 1.26% of loans, coverage 56.3%, true coverage 36.4%.

ALLL / Loans
1.26%
Coverage
56.3%
True Loss Coverage
36.4%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 36.4% (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 21:12:04 UTC