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The Commercial Bank Of Grayson

IDRSSD: 812614
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2024-Q4QoQ -5

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q4

Bank #812614 2024-Q4 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.46% (govt-guarantees stripped).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.32%.

What changed this quarter

Compared to Q3 2024:
↓ -5 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -11

The five pillars

Liquidity

StrongQoQ -1
89
Sub-score

Liquidity is strong: brokered 1.5%, loans/deposits 69.6%, cash 5.3% of assets.

Cash / Assets
5.27%
Loans / Deposits
69.63%
Brokered %
1.47%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.99%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.90%, CET1 17.90%, leverage 11.80%.

Tier 1 RBC
17.90%
CET1
17.90%
Leverage
11.80%
No watch items at this period.

Asset Quality

WatchQoQ -12
56
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.46%, Texas Ratio 12.0%, NCO YTD -0.07%.

Adjusted NPL
2.46%
Govt-guarantees stripped
Texas Ratio
12.0%
NCO YTD
-0.07%
30-89 PD
5.12%
Band 0.3% / 3.0%
90+ PD
1.32%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.46% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.32%.

Reserves

WatchQoQ -11
42
Sub-score

Reserves are deteriorating: ALLL 1.35% of loans, coverage 55.6%, true coverage 55.6%.

ALLL / Loans
1.35%
Coverage
55.6%
True Loss Coverage
55.6%
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: 2026-05-12 00:51:25 UTC