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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 — 2025-Q2

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

Synthesis

Vital Signs Score
85
/ 100
StrongAs 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 #933340 2025-Q2 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 105.7% (threshold 100%).

What changed this quarter

Compared to Q1 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ 0
  • Reserves
    ↓ 0

The five pillars

Liquidity

StableQoQ -2
80
Sub-score

Liquidity is stable: brokered 3.4%, loans/deposits 105.7%, cash 15.0% of assets.

Cash / Assets
15.02%
Loans / Deposits
105.71%
Brokered %
3.39%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 105.7% (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 18.68%, CET1 18.68%, leverage 12.57%.

Tier 1 RBC
18.68%
CET1
18.68%
Leverage
12.57%
No watch items at this period.

Asset Quality

StableQoQ 0
71
Sub-score

Asset quality is stable: Adjusted NPL 1.74%, Texas Ratio 10.4%, NCO YTD 0.13%.

Adjusted NPL
1.74%
Govt-guarantees stripped
Texas Ratio
10.4%
NCO YTD
0.13%
30-89 PD
3.98%
Band 0.3% / 3.0%
90+ PD
0.25%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ 0
73
Sub-score

Reserves are stable: ALLL 1.61% of loans, coverage 94.0%, true coverage 92.0%.

ALLL / Loans
1.61%
Coverage
94.0%
True Loss Coverage
92.0%
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