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Table Grove State Bank

IDRSSD: 411549
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
52
/ 100
WatchAs of 2025-Q2QoQ -29

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 #411549 2025-Q2 Vital Signs Score: 52/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 12.5% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 12.5% (Adjusted NPL + Performing Mods denominator).
  3. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q1 2025:
↓ -29 ptscomposite
  • Liquidity
    ↓ -23
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -56
  • Reserves
    ↓ -68

The five pillars

Liquidity

StableQoQ -23
77
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 81.5%, cash 2.0% of assets.

Cash / Assets
2.04%
Loans / Deposits
81.55%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.04% 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

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 12.71%.

Tier 1 RBC
—
CET1
0.00%
Leverage
12.71%

Watch Items

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

Asset Quality

RiskQoQ -56
28
Sub-score

Asset quality is weak: Adjusted NPL 8.29%, Texas Ratio 40.8%, NCO YTD -0.01%.

Adjusted NPL
8.29%
Govt-guarantees stripped
Texas Ratio
40.8%
NCO YTD
-0.01%
30-89 PD
7.94%
Band 0.3% / 3.0%
90+ PD
7.44%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 8.29% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 7.44%.

Reserves

RiskQoQ -68
17
Sub-score

Reserves are weak: ALLL 1.02% of loans, coverage 12.5%, true coverage 12.5%.

ALLL / Loans
1.02%
Coverage
12.5%
True Loss Coverage
12.5%

Watch Items

  • riskALLL / NPL below 50% — Coverage 12.5% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 12.5% (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: 2026-05-15 02:30:16 UTC