Visbanking Logo
Skip to main content

Granite Bank

IDRSSD: 311256
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
67
/ 100
StableAs of 2025-Q4QoQ -4

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 #311256 2025-Q4 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 105.8% (threshold 100%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.91% of assets (threshold 3%).
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.61% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -4 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -15

The five pillars

Liquidity

WatchQoQ -3
53
Sub-score

Liquidity is deteriorating: brokered 16.7%, loans/deposits 105.8%, cash 1.9% of assets.

Cash / Assets
1.91%
Loans / Deposits
105.79%
Brokered %
16.73%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 105.8% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.91% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.60%
No watch items at this period.

Capitalization

WatchQoQ -4
47
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.85%, CET1 9.85%, leverage 8.14%.

Tier 1 RBC
9.85%
CET1
9.85%
Leverage
8.14%
No watch items at this period.

Asset Quality

StrongQoQ -2
96
Sub-score

Asset quality is strong: Adjusted NPL 0.71%, Texas Ratio 7.4%, NCO YTD 0.06%.

Adjusted NPL
0.71%
Govt-guarantees stripped
Texas Ratio
7.4%
NCO YTD
0.06%
30-89 PD
0.62%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -15
38
Sub-score

Reserves are weak: ALLL 0.61% of loans, coverage 85.8%, true coverage 85.8%.

ALLL / Loans
0.61%
Coverage
85.8%
True Loss Coverage
85.8%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.61% 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