Liquidity
StrongQoQ +2
92
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 79.9%, cash 8.7% of assets.
- Cash / Assets
- 8.74%
- Loans / Deposits
- 79.86%
- Brokered %
- 0.00%
No watch items at this period.
Grasshopper Bank Na
IDRSSD: 5210989
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
72
/ 100
StableAs of 2025-Q2QoQ -10
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 #5210989 2025-Q2 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).
Liquidity:Strong
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Risk
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q1 2025:
↓ -10 ptscomposite
- Liquidity↑ +2
- Securities— —
- Capitalization↓ -37
- Asset Quality↓ -5
- Reserves↑ +2
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 1.8% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 1.80%
SVB watch metric
No watch items at this period.
Capitalization
WatchQoQ -37
53
Sub-score
Capital position is deteriorating: Tier 1 RBC 10.42%, CET1 10.42%, leverage 8.09%.
- Tier 1 RBC
- 10.42%
- CET1
- 10.42%
- Leverage
- 8.09%
No watch items at this period.
Asset Quality
StrongQoQ -5
83
Sub-score
Asset quality is strong: Adjusted NPL 1.68%, Texas Ratio 13.4%, NCO YTD 0.58%.
- Adjusted NPL
- 1.68%
- Texas Ratio
- 13.4%
- NCO YTD
- 0.58%
- 30-89 PD
- 0.62%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
RiskQoQ +2
27
Sub-score
Reserves are weak: ALLL 0.93% of loans, coverage 55.7%, true coverage 55.0%.
- ALLL / Loans
- 0.93%
- Coverage
- 55.7%
- True Loss Coverage
- 55.0%
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.tsfor 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: 2026-05-14 11:08:34 UTC