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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
68
/ 100
StableAs of 2025-Q4QoQ -4

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

Quarterly Headline

2025-Q4

Bank #5210989 2025-Q4 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 38.4% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 38.6% (regulatory soft-warning level 50%).
  3. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.26% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -4 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    — —
  • Capitalization
    ↓ -7
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -9

The five pillars

Liquidity

StrongQoQ +9
89
Sub-score

Liquidity is strong: brokered 2.7%, loans/deposits 77.5%, cash 7.7% of assets.

Cash / Assets
7.67%
Loans / Deposits
77.52%
Brokered %
2.67%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.34%
No watch items at this period.

Capitalization

WatchQoQ -7
58
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.73%, CET1 10.73%, leverage 8.55%.

Tier 1 RBC
10.73%
CET1
10.73%
Leverage
8.55%
No watch items at this period.

Asset Quality

StableQoQ -12
73
Sub-score

Asset quality is stable: Adjusted NPL 2.15%, Texas Ratio 17.2%, NCO YTD 1.26%.

Adjusted NPL
2.15%
Govt-guarantees stripped
Texas Ratio
17.2%
NCO YTD
1.26%
30-89 PD
0.48%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.15% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.26% of loans.

Reserves

RiskQoQ -9
15
Sub-score

Reserves are weak: ALLL 0.83% of loans, coverage 38.6%, true coverage 38.4%.

ALLL / Loans
0.83%
Coverage
38.6%
True Loss Coverage
38.4%

Watch Items

  • watchALLL / NPL below 50% — Coverage 38.6% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 38.4% (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: 2026-05-14 11:08:34 UTC