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Grant County State Bank

IDRSSD: 933340
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2023-Q4QoQ -24

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

Quarterly Headline

2023-Q4

Bank #933340 2023-Q4 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.89% (govt-guarantees stripped).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 49.2% (Adjusted NPL + Performing Mods denominator).
  3. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.1% (threshold 100%).

What changed this quarter

Compared to Q3 2023:
↓ -24 ptscomposite
  • Liquidity
    ↓ -14
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -50
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -14
82
Sub-score

Liquidity is strong: brokered 4.0%, loans/deposits 100.1%, cash 21.9% of assets.

Cash / Assets
21.95%
Loans / Deposits
100.11%
Brokered %
3.99%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.1% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 18.44%, CET1 18.44%, leverage 12.65%.

Tier 1 RBC
18.44%
CET1
18.44%
Leverage
12.65%
No watch items at this period.

Asset Quality

WatchQoQ -50
50
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.89%, Texas Ratio 21.7%, NCO YTD 0.19%.

Adjusted NPL
3.89%
Govt-guarantees stripped
Texas Ratio
21.7%
NCO YTD
0.19%
30-89 PD
3.38%
Band 0.3% / 3.0%
90+ PD
0.34%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.89% (govt-guarantees stripped).

Reserves

Watch
42
Sub-score

Reserves are deteriorating: ALLL 1.91% of loans, coverage 50.1%, true coverage 49.2%.

ALLL / Loans
1.91%
Coverage
50.1%
True Loss Coverage
49.2%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.2% (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 01:22:34 UTC