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The Gerber State Bank

IDRSSD: 663638
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 -11

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 #663638 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:Stable
Reserves:Watch

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.16% (govt-guarantees stripped).
  2. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.78%.
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.03% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↓ -11 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -27
  • Reserves
    ↓ -30

The five pillars

Liquidity

StrongQoQ 0
82
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 54.7%, cash 2.0% of assets.

Cash / Assets
2.03%
Loans / Deposits
54.67%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.03% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.24%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 22.63%, CET1 22.63%, leverage 12.60%.

Tier 1 RBC
22.63%
CET1
22.63%
Leverage
12.60%
No watch items at this period.

Asset Quality

StableQoQ -27
61
Sub-score

Asset quality is stable: Adjusted NPL 3.16%, Texas Ratio 10.6%, NCO YTD -0.01%.

Adjusted NPL
3.16%
Govt-guarantees stripped
Texas Ratio
10.6%
NCO YTD
-0.01%
30-89 PD
0.60%
Band 0.3% / 3.0%
90+ PD
1.78%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.16% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.78%.

Reserves

WatchQoQ -30
45
Sub-score

Reserves are deteriorating: ALLL 1.63% of loans, coverage 52.5%, true coverage 52.5%.

ALLL / Loans
1.63%
Coverage
52.5%
True Loss Coverage
52.5%
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: 2026-05-14 19:23:43 UTC