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Guthrie County State Bank

IDRSSD: 969844
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2025-Q1QoQ -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-Q1

Bank #969844 2025-Q1 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.26%.

What changed this quarter

Compared to Q4 2024:
↓ -6 ptscomposite
  • Liquidity
    ↑ +12
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -18
  • Reserves
    ↓ -25

The five pillars

Liquidity

StrongQoQ +12
86
Sub-score

Liquidity is strong: brokered 11.5%, loans/deposits 65.6%, cash 7.1% of assets.

Cash / Assets
7.12%
Loans / Deposits
65.59%
Brokered %
11.46%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.72%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.44%, CET1 17.44%, leverage 11.98%.

Tier 1 RBC
17.44%
CET1
17.44%
Leverage
11.98%
No watch items at this period.

Asset Quality

StrongQoQ -18
82
Sub-score

Asset quality is strong: Adjusted NPL 1.33%, Texas Ratio 5.5%, NCO YTD -0.01%.

Adjusted NPL
1.33%
Govt-guarantees stripped
Texas Ratio
5.5%
NCO YTD
-0.01%
30-89 PD
0.38%
Band 0.3% / 3.0%
90+ PD
1.26%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.26%.

Reserves

StableQoQ -25
65
Sub-score

Reserves are stable: ALLL 1.24% of loans, coverage 94.4%, true coverage 94.4%.

ALLL / Loans
1.24%
Coverage
94.4%
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: 2026-05-13 01:18:40 UTC