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Grand Timber Bank

IDRSSD: 918356
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
72
/ 100
StableAs of 2025-Q1QoQ -2

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 #918356 2025-Q1 Vital Signs Score: 72/100 — 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 39.3% (Adjusted NPL + Performing Mods denominator).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 104.0% (threshold 100%).
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.22% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -5

The five pillars

Liquidity

StableQoQ +2
63
Sub-score

Liquidity is stable: brokered 4.5%, loans/deposits 104.0%, cash 2.2% of assets.

Cash / Assets
2.22%
Loans / Deposits
104.01%
Brokered %
4.46%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 104.0% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.22% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.02%
No watch items at this period.

Capitalization

StrongQoQ -1
96
Sub-score

Capital position is strong: Tier 1 RBC 13.87%, CET1 13.87%, leverage 10.97%.

Tier 1 RBC
13.87%
CET1
13.87%
Leverage
10.97%
No watch items at this period.

Asset Quality

StableQoQ -4
61
Sub-score

Asset quality is stable: Adjusted NPL 2.35%, Texas Ratio 16.7%, NCO YTD 1.23%.

Adjusted NPL
2.35%
Govt-guarantees stripped
Texas Ratio
16.7%
NCO YTD
1.23%
30-89 PD
2.22%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.35% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.23% of loans.

Reserves

RiskQoQ -5
35
Sub-score

Reserves are weak: ALLL 1.37% of loans, coverage 59.1%, true coverage 39.3%.

ALLL / Loans
1.37%
Coverage
59.1%
True Loss Coverage
39.3%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 39.3% (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