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Greenfield Banking Company

IDRSSD: 83955
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2024-Q3QoQ -9

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

Quarterly Headline

2024-Q3

Bank #83955 2024-Q3 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 3.00% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↓ -9 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -13
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -34

The five pillars

Liquidity

StrongQoQ +2
81
Sub-score

Liquidity is strong: brokered 3.5%, loans/deposits 73.2%, cash 3.0% of assets.

Cash / Assets
3.00%
Loans / Deposits
73.18%
Brokered %
3.52%

Watch Items

  • infoCash / Assets below 3% — Cash 3.00% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.28%
No watch items at this period.

Capitalization

WatchQoQ -13
49
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.98%, CET1 9.98%, leverage 7.99%.

Tier 1 RBC
9.98%
CET1
9.98%
Leverage
7.99%
No watch items at this period.

Asset Quality

StrongQoQ -4
83
Sub-score

Asset quality is strong: Adjusted NPL 1.35%, Texas Ratio 10.4%, NCO YTD 0.19%.

Adjusted NPL
1.35%
Govt-guarantees stripped
Texas Ratio
10.4%
NCO YTD
0.19%
30-89 PD
1.20%
Band 0.3% / 3.0%
90+ PD
0.45%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -34
49
Sub-score

Reserves are deteriorating: ALLL 1.20% of loans, coverage 90.2%, true coverage 65.7%.

ALLL / Loans
1.20%
Coverage
90.2%
True Loss Coverage
65.7%
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 23:32:59 UTC