Visbanking Logo
Skip to main content

Home Federal Savings And Loan Association Of Grand Island

IDRSSD: 317379
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
94
/ 100
StrongAs of 2025-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

2025-Q1

Bank #317379 2025-Q1 Vital Signs Score: 94/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2024:
↑ +4 ptscomposite
  • Liquidity
    ↑ +12
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ +9

The five pillars

Liquidity

StableQoQ +12
78
Sub-score

Liquidity is stable: brokered 1.7%, loans/deposits 91.6%, cash 5.6% of assets.

Cash / Assets
5.64%
Loans / Deposits
91.61%
Brokered %
1.68%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.04%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.58%, CET1 16.58%, leverage 13.77%.

Tier 1 RBC
16.58%
CET1
16.58%
Leverage
13.77%
No watch items at this period.

Asset Quality

StrongQoQ 0
96
Sub-score

Asset quality is strong: Adjusted NPL 0.36%, Texas Ratio 2.0%, NCO YTD 0.61%.

Adjusted NPL
0.36%
Govt-guarantees stripped
Texas Ratio
2.0%
NCO YTD
0.61%
30-89 PD
0.26%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +9
95
Sub-score

Reserves are strong: ALLL 1.35% of loans, coverage 380.2%, true coverage 380.2%.

ALLL / Loans
1.35%
Coverage
380.2%
True Loss Coverage
380.2%
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 16:43:31 UTC