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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2024-Q4QoQ -2

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

Quarterly Headline

2024-Q4

Bank #83955 2024-Q4 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.61% of assets (threshold 3%).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.33% of loans.

What changed this quarter

Compared to Q3 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -7

The five pillars

Liquidity

StrongQoQ 0
81
Sub-score

Liquidity is strong: brokered 3.4%, loans/deposits 70.6%, cash 2.6% of assets.

Cash / Assets
2.61%
Loans / Deposits
70.64%
Brokered %
3.41%

Watch Items

  • infoCash / Assets below 3% — Cash 2.61% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.16%
No watch items at this period.

Capitalization

WatchQoQ +2
50
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.29%, CET1 10.29%, leverage 7.68%.

Tier 1 RBC
10.29%
CET1
10.29%
Leverage
7.68%
No watch items at this period.

Asset Quality

StableQoQ -7
76
Sub-score

Asset quality is stable: Adjusted NPL 1.42%, Texas Ratio 11.1%, NCO YTD 1.33%.

Adjusted NPL
1.42%
Govt-guarantees stripped
Texas Ratio
11.1%
NCO YTD
1.33%
30-89 PD
1.14%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.33% of loans.

Reserves

WatchQoQ -7
42
Sub-score

Reserves are deteriorating: ALLL 1.03% of loans, coverage 73.1%, true coverage 71.0%.

ALLL / Loans
1.03%
Coverage
73.1%
True Loss Coverage
71.0%
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