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Granite Bank

IDRSSD: 311256
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
73
/ 100
StableAs of 2024-Q4QoQ -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-Q4

Bank #311256 2024-Q4 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 104.1% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.62% of assets (threshold 3%).
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.66% of loans.

What changed this quarter

Compared to Q3 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -9

The five pillars

Liquidity

WatchQoQ -1
58
Sub-score

Liquidity is deteriorating: brokered 13.5%, loans/deposits 104.1%, cash 2.6% of assets.

Cash / Assets
2.62%
Loans / Deposits
104.05%
Brokered %
13.47%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 104.1% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.62% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.38%
No watch items at this period.

Capitalization

WatchQoQ -2
49
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.05%, CET1 10.05%, leverage 8.09%.

Tier 1 RBC
10.05%
CET1
10.05%
Leverage
8.09%
No watch items at this period.

Asset Quality

StrongQoQ 0
100
Sub-score

Asset quality is strong: Adjusted NPL 0.41%, Texas Ratio 4.1%, NCO YTD 0.00%.

Adjusted NPL
0.41%
Govt-guarantees stripped
Texas Ratio
4.1%
NCO YTD
0.00%
30-89 PD
0.22%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -9
63
Sub-score

Reserves are stable: ALLL 0.66% of loans, coverage 160.5%, true coverage 160.5%.

ALLL / Loans
0.66%
Coverage
160.5%
True Loss Coverage
160.5%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.66% of loans.

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: 2026-05-13 23:32:31 UTC