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Abbybank

IDRSSD: 198149
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
83
/ 100
StrongAs of 2024-Q4QoQ 0

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 #198149 2024-Q4 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2024:
↓ 0 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -2

The five pillars

Liquidity

StrongQoQ +5
90
Sub-score

Liquidity is strong: brokered 1.0%, loans/deposits 78.3%, cash 7.5% of assets.

Cash / Assets
7.48%
Loans / Deposits
78.33%
Brokered %
0.98%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.23%
No watch items at this period.

Capitalization

StableQoQ +1
73
Sub-score

Capital position is stable: Tier 1 RBC 11.97%, CET1 11.97%, leverage 8.75%.

Tier 1 RBC
11.97%
CET1
11.97%
Leverage
8.75%
No watch items at this period.

Asset Quality

StrongQoQ -5
88
Sub-score

Asset quality is strong: Adjusted NPL 0.99%, Texas Ratio 6.8%, NCO YTD 0.53%.

Adjusted NPL
0.99%
Govt-guarantees stripped
Texas Ratio
6.8%
NCO YTD
0.53%
30-89 PD
0.85%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -2
67
Sub-score

Reserves are stable: ALLL 1.10% of loans, coverage 112.3%, true coverage 112.3%.

ALLL / Loans
1.10%
Coverage
112.3%
True Loss Coverage
112.3%
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 21:35:46 UTC