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Apex Bank

IDRSSD: 51253
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2024-Q3QoQ -7

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

Quarterly Headline

2024-Q3

Bank #51253 2024-Q3 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 115.3% (threshold 100%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 42.8% (Adjusted NPL + Performing Mods denominator).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 43.3% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q2 2024:
↓ -7 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -9
  • Reserves
    ↓ -26

The five pillars

Liquidity

StableQoQ -3
60
Sub-score

Liquidity is stable: brokered 24.1%, loans/deposits 115.3%, cash 8.4% of assets.

Cash / Assets
8.36%
Loans / Deposits
115.30%
Brokered %
24.10%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 115.3% (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 25.59%, CET1 25.59%, leverage 15.24%.

Tier 1 RBC
25.59%
CET1
25.59%
Leverage
15.24%
No watch items at this period.

Asset Quality

StableQoQ -9
71
Sub-score

Asset quality is stable: Adjusted NPL 2.59%, Texas Ratio 13.6%, NCO YTD 0.02%.

Adjusted NPL
2.59%
Govt-guarantees stripped
Texas Ratio
13.6%
NCO YTD
0.02%
30-89 PD
0.84%
Band 0.3% / 3.0%
90+ PD
0.95%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.59% (govt-guarantees stripped).

Reserves

RiskQoQ -26
26
Sub-score

Reserves are weak: ALLL 1.11% of loans, coverage 43.3%, true coverage 42.8%.

ALLL / Loans
1.11%
Coverage
43.3%
True Loss Coverage
42.8%

Watch Items

  • infoALLL / NPL below 50% — Coverage 43.3% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 42.8% (Adjusted NPL + Performing Mods denominator).

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