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Grinnell State Bank

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

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2025-Q2QoQ +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-Q2

Bank #783246 2025-Q2 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 111.9% (threshold 100%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.32% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↑ +6 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ +4
  • Reserves
    ↑ +34

The five pillars

Liquidity

StableQoQ 0
61
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 111.9%, cash 1.3% of assets.

Cash / Assets
1.32%
Loans / Deposits
111.89%
Brokered %
0.00%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 111.9% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.32% 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

StrongQoQ 0
97
Sub-score

Capital position is strong: Tier 1 RBC 13.92%, CET1 13.92%, leverage 11.01%.

Tier 1 RBC
13.92%
CET1
13.92%
Leverage
11.01%
No watch items at this period.

Asset Quality

StrongQoQ +4
86
Sub-score

Asset quality is strong: Adjusted NPL 1.33%, Texas Ratio 8.1%, NCO YTD 0.00%.

Adjusted NPL
1.33%
Govt-guarantees stripped
Texas Ratio
8.1%
NCO YTD
0.00%
30-89 PD
1.41%
Band 0.3% / 3.0%
90+ PD
0.07%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +34
64
Sub-score

Reserves are stable: ALLL 1.30% of loans, coverage 98.7%, true coverage 84.7%.

ALLL / Loans
1.30%
Coverage
98.7%
True Loss Coverage
84.7%
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 09:21:06 UTC