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Anchor Bank

IDRSSD: 3342671
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2023-Q4QoQ -17

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

Quarterly Headline

2023-Q4

Bank #3342671 2023-Q4 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (risk).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 115.7% (threshold 100%).
  2. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  3. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.55% of loans.

What changed this quarter

Compared to Q3 2023:
↓ -17 ptscomposite
  • Liquidity
    ↓ -19
  • Securities
    — —
  • Capitalization
    ↓ -42
  • Asset Quality
    ↑ +5
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -19
68
Sub-score

Liquidity is stable: brokered 9.2%, loans/deposits 115.7%, cash 7.5% of assets.

Cash / Assets
7.53%
Loans / Deposits
115.66%
Brokered %
9.17%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 115.7% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.10%
No watch items at this period.

Capitalization

RiskQoQ -42
37
Sub-score

Capital position is weak: CET1 0.00%, leverage 8.50%.

Tier 1 RBC
—
CET1
0.00%
Leverage
8.50%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ +5
100
Sub-score

Asset quality is strong: Adjusted NPL 0.29%, Texas Ratio 2.6%, NCO YTD 0.04%.

Adjusted NPL
0.29%
Govt-guarantees stripped
Texas Ratio
2.6%
NCO YTD
0.04%
30-89 PD
0.13%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
66
Sub-score

Reserves are stable: ALLL 0.55% of loans, coverage 188.7%, true coverage 188.7%.

ALLL / Loans
0.55%
Coverage
188.7%
True Loss Coverage
188.7%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.55% of loans.

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 05:55:17 UTC