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Grinnell State Bank

IDRSSD: 783246
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2024-Q1QoQ -4

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

Quarterly Headline

2024-Q1

Bank #783246 2024-Q1 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.23% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↓ -4 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -14
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ -2
70
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 96.0%, cash 2.2% of assets.

Cash / Assets
2.23%
Loans / Deposits
95.96%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.23% of assets (threshold 3%).

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 14.25%, CET1 14.25%, leverage 11.11%.

Tier 1 RBC
14.25%
CET1
14.25%
Leverage
11.11%
No watch items at this period.

Asset Quality

StableQoQ -14
80
Sub-score

Asset quality is stable: Adjusted NPL 0.89%, Texas Ratio 5.4%, NCO YTD 0.00%.

Adjusted NPL
0.89%
Govt-guarantees stripped
Texas Ratio
5.4%
NCO YTD
0.00%
30-89 PD
3.60%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -2
65
Sub-score

Reserves are stable: ALLL 1.06% of loans, coverage 119.8%, true coverage 94.4%.

ALLL / Loans
1.06%
Coverage
119.8%
True Loss Coverage
94.4%
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 09:21:06 UTC