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Greeneville Federal Bank Fsb

IDRSSD: 645577
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2025-Q1QoQ -14

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

Quarterly Headline

2025-Q1

Bank #645577 2025-Q1 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 106.1% (threshold 100%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.57% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2024:
↓ -14 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -21
  • Reserves
    ↓ -55

The five pillars

Liquidity

StableQoQ -1
78
Sub-score

Liquidity is stable: brokered 5.7%, loans/deposits 106.1%, cash 10.7% of assets.

Cash / Assets
10.66%
Loans / Deposits
106.07%
Brokered %
5.70%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 106.1% (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 21.29%, CET1 21.29%, leverage 14.99%.

Tier 1 RBC
21.29%
CET1
21.29%
Leverage
14.99%
No watch items at this period.

Asset Quality

StableQoQ -21
74
Sub-score

Asset quality is stable: Adjusted NPL 2.57%, Texas Ratio 13.1%, NCO YTD -2.08%.

Adjusted NPL
2.57%
Govt-guarantees stripped
Texas Ratio
13.1%
NCO YTD
-2.08%
30-89 PD
1.53%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.57% (govt-guarantees stripped).

Reserves

WatchQoQ -55
41
Sub-score

Reserves are deteriorating: ALLL 1.38% of loans, coverage 54.2%, true coverage 53.8%.

ALLL / Loans
1.38%
Coverage
54.2%
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: 2026-05-13 09:50:05 UTC