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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 — 2025-Q1

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

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q1QoQ -3

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 #812614 2025-Q1 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.17% (govt-guarantees stripped).
  2. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.90%.
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 44.4% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2024:
↓ -3 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -10
  • Reserves
    ↓ -5

The five pillars

Liquidity

StrongQoQ 0
89
Sub-score

Liquidity is strong: brokered 1.0%, loans/deposits 67.7%, cash 5.3% of assets.

Cash / Assets
5.28%
Loans / Deposits
67.67%
Brokered %
0.95%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.94%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 18.18%, CET1 18.18%, leverage 11.64%.

Tier 1 RBC
18.18%
CET1
18.18%
Leverage
11.64%
No watch items at this period.

Asset Quality

WatchQoQ -10
45
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.17%, Texas Ratio 15.5%, NCO YTD 0.02%.

Adjusted NPL
3.17%
Govt-guarantees stripped
Texas Ratio
15.5%
NCO YTD
0.02%
30-89 PD
2.80%
Band 0.3% / 3.0%
90+ PD
1.90%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.17% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.90%.

Reserves

RiskQoQ -5
36
Sub-score

Reserves are weak: ALLL 1.39% of loans, coverage 44.4%, true coverage 44.4%.

ALLL / Loans
1.39%
Coverage
44.4%
True Loss Coverage
44.4%

Watch Items

  • infoALLL / NPL below 50% — Coverage 44.4% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 44.4% (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 00:51:25 UTC