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Grove Bank

IDRSSD: 79257
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 1 alert active.

Summary

RSSD 79257 held $54.7M in total assets as of 2026-03-31 (-3.4% quarter-over-quarter). Total loans stood at $36.6M (+2.7% QoQ) and total deposits at $44.4M (-1.6% QoQ).

Overall position is weak — the composite Health Score is 39/100 (Weak). Tier 1 / RWA stands at 13.12%, in the bottom quartile of peers. Asset quality (NPL ratio) sits in the above median of peers.

1 Quarterly Anomaly Alert fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
39/100
Weak
Active Alerts
1
0 critical, 0 warning
Total Assets
$54.7M
-3.4% QoQ
Total Loans
$36.6M
+2.7% QoQ
Total Deposits
$44.4M
-1.6% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
13.12%
11th pctile · n=157↑ better
-32 bp QoQ
CET1 / RWA
13.12%
59th pctile · n=335↑ better
-32 bp QoQ
Total RBC / RWA
14.06%
11th pctile · n=157↑ better
-34 bp QoQ
Tier 1 Leverage Ratio
13.12%
58th pctile · n=335↑ better
-32 bp QoQ

Liquidity

Cash / Assets
6.93%
44th pctile · n=335↑ better
-401 bp QoQ
Loans / Deposits
82.49%
77th pctile · n=326↓ better
+349 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.24%
50th pctile · n=335↓ better
+2 bp QoQ
NPA / Assets
0.16%
50th pctile · n=335↓ better
+2 bp QoQ
Texas Ratio (regulatory)
1.58%
53th pctile · n=335↓ better
+15 bp QoQ
Net Charge-Offs / Avg Loans
0.00%
46th pctile · n=335↓ better
ALLL Coverage of NPL
416.67%
83th pctile · n=335↑ better
-4630 bp QoQ

Earnings

Net Interest Margin
4.19%
65th pctile · n=335↑ better
-11 bp QoQ
Return on Assets
0.06%
15th pctile · n=335↑ better
-21 bp QoQ
Return on Equity
0.46%
16th pctile · n=335↑ better
-171 bp QoQ
Efficiency Ratio
93.83%
84th pctile · n=335↓ better
+826 bp QoQ
Pre-tax NOI / Avg Assets
0.08%
16th pctile · n=335↑ better
-28 bp QoQ

Funding

Brokered / Deposits
0.56%
84th pctile · n=326↓ better
-1399 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
6.86%
90th pctile · n=335↓ better
-193 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
21.53%
47th pctile · n=335↑ better
+8 bp QoQ
AFS Securities / Assets
16.97%
50th pctile · n=335↑ better
-2 bp QoQ
HTM Securities / Assets
3.35%
82th pctile · n=335↑ better
+8 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-14 19:10:39 UTC