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Grasshopper Bank Na

IDRSSD: 5210989
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2025-Q3QoQ +1

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

Quarterly Headline

2025-Q3

Bank #5210989 2025-Q3 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
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 Q2 2025:
↑ +1 ptscomposite
  • Liquidity
    ↓ -12
  • Securities
    — —
  • Capitalization
    ↑ +11
  • Asset Quality
    ↑ +3
  • Reserves
    ↓ -3

The five pillars

Liquidity

StableQoQ -12
80
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 81.3%, cash 3.5% of assets.

Cash / Assets
3.52%
Loans / Deposits
81.34%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.70%
No watch items at this period.

Capitalization

StableQoQ +11
65
Sub-score

Capital position is stable: Tier 1 RBC 11.09%, CET1 11.09%, leverage 9.16%.

Tier 1 RBC
11.09%
CET1
11.09%
Leverage
9.16%
No watch items at this period.

Asset Quality

StrongQoQ +3
86
Sub-score

Asset quality is strong: Adjusted NPL 1.60%, Texas Ratio 12.2%, NCO YTD 0.46%.

Adjusted NPL
1.60%
Govt-guarantees stripped
Texas Ratio
12.2%
NCO YTD
0.46%
30-89 PD
0.49%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -3
24
Sub-score

Reserves are weak: ALLL 0.86% of loans, coverage 54.1%, true coverage 53.8%.

ALLL / Loans
0.86%
Coverage
54.1%
True Loss Coverage
53.8%
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: 2026-05-14 11:08:34 UTC