Visbanking Logo
Skip to main content

Grant County State Bank

IDRSSD: 933340
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
82
/ 100
StrongAs of 2024-Q4QoQ -5

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 #933340 2024-Q4 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 102.4% (threshold 100%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.06% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↓ -5 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -10
  • Reserves
    ↓ -19

The five pillars

Liquidity

StrongQoQ 0
81
Sub-score

Liquidity is strong: brokered 3.6%, loans/deposits 102.4%, cash 18.6% of assets.

Cash / Assets
18.55%
Loans / Deposits
102.35%
Brokered %
3.60%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 102.4% (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 19.94%, CET1 19.94%, leverage 12.77%.

Tier 1 RBC
19.94%
CET1
19.94%
Leverage
12.77%
No watch items at this period.

Asset Quality

StableQoQ -10
65
Sub-score

Asset quality is stable: Adjusted NPL 2.06%, Texas Ratio 11.5%, NCO YTD 0.06%.

Adjusted NPL
2.06%
Govt-guarantees stripped
Texas Ratio
11.5%
NCO YTD
0.06%
30-89 PD
4.04%
Band 0.3% / 3.0%
90+ PD
0.65%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.06% (govt-guarantees stripped).

Reserves

StableQoQ -19
67
Sub-score

Reserves are stable: ALLL 1.74% of loans, coverage 85.7%, true coverage 83.2%.

ALLL / Loans
1.74%
Coverage
85.7%
True Loss Coverage
83.2%
No watch items at this period.

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