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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2025-Q4QoQ -1

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

Quarterly Headline

2025-Q4

Bank #918356 2025-Q4 Vital Signs Score: 73/100 — 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 30.1% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 105.8% (threshold 100%).
  3. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.39% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -4
  • Reserves
    ↑ +3

The five pillars

Liquidity

StableQoQ -3
63
Sub-score

Liquidity is stable: brokered 0.4%, loans/deposits 105.8%, cash 1.4% of assets.

Cash / Assets
1.39%
Loans / Deposits
105.85%
Brokered %
0.40%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 105.8% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.39% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.99%
No watch items at this period.

Capitalization

StrongQoQ +1
94
Sub-score

Capital position is strong: Tier 1 RBC 13.54%, CET1 13.54%, leverage 10.82%.

Tier 1 RBC
13.54%
CET1
13.54%
Leverage
10.82%
No watch items at this period.

Asset Quality

StableQoQ -4
68
Sub-score

Asset quality is stable: Adjusted NPL 3.08%, Texas Ratio 22.3%, NCO YTD 0.12%.

Adjusted NPL
3.08%
Govt-guarantees stripped
Texas Ratio
22.3%
NCO YTD
0.12%
30-89 PD
1.57%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.08% (govt-guarantees stripped).

Reserves

RiskQoQ +3
30
Sub-score

Reserves are weak: ALLL 1.40% of loans, coverage 46.2%, true coverage 30.1%.

ALLL / Loans
1.40%
Coverage
46.2%
True Loss Coverage
30.1%

Watch Items

  • infoALLL / NPL below 50% — Coverage 46.2% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 30.1% (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