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Great Plains National Bank

IDRSSD: 2482824
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
75
/ 100
StableAs of 2025-Q4QoQ -6

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 #2482824 2025-Q4 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2025:
↓ -6 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -9
  • Reserves
    ↓ -21

The five pillars

Liquidity

StableQoQ -7
75
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 95.5%, cash 4.4% of assets.

Cash / Assets
4.39%
Loans / Deposits
95.54%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.52%
No watch items at this period.

Capitalization

StableQoQ +4
66
Sub-score

Capital position is stable: Tier 1 RBC 10.99%, CET1 10.99%, leverage 9.44%.

Tier 1 RBC
10.99%
CET1
10.99%
Leverage
9.44%
No watch items at this period.

Asset Quality

StrongQoQ -9
83
Sub-score

Asset quality is strong: Adjusted NPL 1.58%, Texas Ratio 12.7%, NCO YTD 0.55%.

Adjusted NPL
1.58%
Govt-guarantees stripped
Texas Ratio
12.7%
NCO YTD
0.55%
30-89 PD
0.57%
Band 0.3% / 3.0%
90+ PD
0.27%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -21
54
Sub-score

Reserves are deteriorating: ALLL 1.23% of loans, coverage 78.8%, true coverage 78.3%.

ALLL / Loans
1.23%
Coverage
78.8%
True Loss Coverage
78.3%
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: 2026-05-13 11:49:15 UTC