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Grand Timber Bank

IDRSSD: 918356
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
74
/ 100
StableAs of 2024-Q4QoQ -3

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 #918356 2024-Q4 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.31% of assets (threshold 3%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 40.5% (Adjusted NPL + Performing Mods denominator).
  3. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 103.7% (threshold 100%).

What changed this quarter

Compared to Q3 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -12
  • Reserves
    ↑ +11

The five pillars

Liquidity

StableQoQ -5
61
Sub-score

Liquidity is stable: brokered 4.5%, loans/deposits 103.7%, cash 1.3% of assets.

Cash / Assets
1.31%
Loans / Deposits
103.73%
Brokered %
4.53%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.7% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.31% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.45%
No watch items at this period.

Capitalization

StrongQoQ -3
97
Sub-score

Capital position is strong: Tier 1 RBC 13.98%, CET1 13.98%, leverage 10.51%.

Tier 1 RBC
13.98%
CET1
13.98%
Leverage
10.51%
No watch items at this period.

Asset Quality

StableQoQ -12
65
Sub-score

Asset quality is stable: Adjusted NPL 2.72%, Texas Ratio 19.2%, NCO YTD 0.12%.

Adjusted NPL
2.72%
Govt-guarantees stripped
Texas Ratio
19.2%
NCO YTD
0.12%
30-89 PD
2.54%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.72% (govt-guarantees stripped).

Reserves

WatchQoQ +11
40
Sub-score

Reserves are deteriorating: ALLL 1.57% of loans, coverage 58.5%, true coverage 40.5%.

ALLL / Loans
1.57%
Coverage
58.5%
True Loss Coverage
40.5%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 40.5% (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 21:12:04 UTC