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Granite Bank

IDRSSD: 311256
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2025-Q2QoQ 0

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

Quarterly Headline

2025-Q2

Bank #311256 2025-Q2 Vital Signs Score: 71/100 — 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 104.3% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.12% of assets (threshold 3%).
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.65% of loans.

What changed this quarter

Compared to Q1 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ +4

The five pillars

Liquidity

WatchQoQ -1
54
Sub-score

Liquidity is deteriorating: brokered 17.5%, loans/deposits 104.3%, cash 2.1% of assets.

Cash / Assets
2.12%
Loans / Deposits
104.27%
Brokered %
17.53%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 104.3% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.12% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.89%
No watch items at this period.

Capitalization

WatchQoQ 0
48
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.82%, CET1 9.82%, leverage 8.43%.

Tier 1 RBC
9.82%
CET1
9.82%
Leverage
8.43%
No watch items at this period.

Asset Quality

StrongQoQ -3
96
Sub-score

Asset quality is strong: Adjusted NPL 0.42%, Texas Ratio 4.1%, NCO YTD 0.00%.

Adjusted NPL
0.42%
Govt-guarantees stripped
Texas Ratio
4.1%
NCO YTD
0.00%
30-89 PD
0.90%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +4
62
Sub-score

Reserves are stable: ALLL 0.65% of loans, coverage 156.6%, true coverage 156.6%.

ALLL / Loans
0.65%
Coverage
156.6%
True Loss Coverage
156.6%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.65% 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