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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 — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2025-Q2QoQ +7

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 #663638 2025-Q2 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.65% of assets (threshold 3%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.49% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↑ +7 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +24
  • Reserves
    ↑ +10

The five pillars

Liquidity

StrongQoQ -4
80
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 58.2%, cash 0.7% of assets.

Cash / Assets
0.65%
Loans / Deposits
58.17%
Brokered %
0.00%

Watch Items

  • riskCash / Assets below 3% — Cash 0.65% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.81%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 22.40%, CET1 22.40%, leverage 13.33%.

Tier 1 RBC
22.40%
CET1
22.40%
Leverage
13.33%
No watch items at this period.

Asset Quality

StableQoQ +24
78
Sub-score

Asset quality is stable: Adjusted NPL 2.49%, Texas Ratio 8.5%, NCO YTD -0.02%.

Adjusted NPL
2.49%
Govt-guarantees stripped
Texas Ratio
8.5%
NCO YTD
-0.02%
30-89 PD
0.40%
Band 0.3% / 3.0%
90+ PD
0.56%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.49% (govt-guarantees stripped).

Reserves

WatchQoQ +10
53
Sub-score

Reserves are deteriorating: ALLL 1.60% of loans, coverage 65.2%, true coverage 65.2%.

ALLL / Loans
1.60%
Coverage
65.2%
True Loss Coverage
65.2%
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