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Grant County Bank

IDRSSD: 361354
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
63
/ 100
StableAs of 2024-Q4QoQ -17

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 #361354 2024-Q4 Vital Signs Score: 63/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 4.44% of loans.
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 26.0% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2024:
↓ -17 ptscomposite
  • Liquidity
    — —
  • Securities
    ↓ -7
  • Capitalization
    — —
  • Asset Quality
    ↓ -42
  • Reserves
    ↓ -36

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 30.9%, cash 15.3% of assets.

Cash / Assets
15.34%
Loans / Deposits
30.89%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ -7
93
Sub-score

Securities profile is strong: securities 22.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
22.03%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 15.47%.

Tier 1 RBC
—
CET1
0.00%
Leverage
15.47%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

WatchQoQ -42
43
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.18%, Texas Ratio 5.4%, NCO YTD 4.44%.

Adjusted NPL
3.18%
Govt-guarantees stripped
Texas Ratio
5.4%
NCO YTD
4.44%
30-89 PD
7.40%
Band 0.3% / 3.0%
90+ PD
0.23%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.18% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 4.44% of loans.

Reserves

WatchQoQ -36
40
Sub-score

Reserves are deteriorating: ALLL 2.52% of loans, coverage 81.3%, true coverage 26.0%.

ALLL / Loans
2.52%
Coverage
81.3%
True Loss Coverage
26.0%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 26.0% (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: 2026-05-15 01:26:52 UTC