Visbanking Logo
Skip to main content

State Bank Of Graymont

IDRSSD: 937339
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
62
/ 100
StableAs of 2025-Q1QoQ -18

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 #937339 2025-Q1 Vital Signs Score: 62/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Strong
Securities:Strong
Capitalization:Watch
Asset Quality:Watch
Reserves:Risk

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 3.08%.
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.23% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2024:
↓ -18 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -37
  • Reserves
    ↓ -60

The five pillars

Liquidity

StrongQoQ +2
84
Sub-score

Liquidity is strong: brokered 1.8%, loans/deposits 63.0%, cash 3.2% of assets.

Cash / Assets
3.18%
Loans / Deposits
62.97%
Brokered %
1.75%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.95%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 10.76%.

Tier 1 RBC
—
CET1
0.00%
Leverage
10.76%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

WatchQoQ -37
54
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.23%, Texas Ratio 15.3%, NCO YTD 0.00%.

Adjusted NPL
3.23%
Govt-guarantees stripped
Texas Ratio
15.3%
NCO YTD
0.00%
30-89 PD
1.16%
Band 0.3% / 3.0%
90+ PD
3.08%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.23% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 3.08%.

Reserves

RiskQoQ -60
31
Sub-score

Reserves are weak: ALLL 1.28% of loans, coverage 40.2%, true coverage 40.2%.

ALLL / Loans
1.28%
Coverage
40.2%
True Loss Coverage
40.2%

Watch Items

  • infoALLL / NPL below 50% — Coverage 40.2% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 40.2% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-12 01:13:06 UTC