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Apex Bank

IDRSSD: 51253
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
76
/ 100
StableAs of 2023-Q4QoQ -18

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 #51253 2023-Q4 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 104.2% (threshold 100%).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.03%.

What changed this quarter

Compared to Q3 2023:
↓ -18 ptscomposite
  • Liquidity
    ↓ -12
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -30
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -12
66
Sub-score

Liquidity is stable: brokered 25.5%, loans/deposits 104.2%, cash 13.2% of assets.

Cash / Assets
13.16%
Loans / Deposits
104.16%
Brokered %
25.45%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 104.2% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 23.29%, CET1 23.29%, leverage 12.78%.

Tier 1 RBC
23.29%
CET1
23.29%
Leverage
12.78%
No watch items at this period.

Asset Quality

StableQoQ -30
67
Sub-score

Asset quality is stable: Adjusted NPL 1.58%, Texas Ratio 9.4%, NCO YTD 0.01%.

Adjusted NPL
1.58%
Govt-guarantees stripped
Texas Ratio
9.4%
NCO YTD
0.01%
30-89 PD
2.78%
Band 0.3% / 3.0%
90+ PD
1.03%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.03%.

Reserves

Watch
43
Sub-score

Reserves are deteriorating: ALLL 1.11% of loans, coverage 71.0%, true coverage 67.2%.

ALLL / Loans
1.11%
Coverage
71.0%
True Loss Coverage
67.2%
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 20:18:35 UTC