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Arrow Bank National Association

IDRSSD: 866000
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
86
/ 100
StrongAs of 2024-Q3QoQ +2

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 #866000 2024-Q3 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q2 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ +11
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ +11
90
Sub-score

Liquidity is strong: brokered 5.6%, loans/deposits 75.2%, cash 8.6% of assets.

Cash / Assets
8.56%
Loans / Deposits
75.20%
Brokered %
5.61%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.01%
No watch items at this period.

Capitalization

StrongQoQ -2
83
Sub-score

Capital position is strong: Tier 1 RBC 12.97%, CET1 12.97%, leverage 8.70%.

Tier 1 RBC
12.97%
CET1
12.97%
Leverage
8.70%
No watch items at this period.

Asset Quality

StrongQoQ 0
94
Sub-score

Asset quality is strong: Adjusted NPL 0.86%, Texas Ratio 6.4%, NCO YTD 0.10%.

Adjusted NPL
0.86%
Govt-guarantees stripped
Texas Ratio
6.4%
NCO YTD
0.10%
30-89 PD
0.66%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -1
59
Sub-score

Reserves are deteriorating: ALLL 0.90% of loans, coverage 105.7%, true coverage 105.6%.

ALLL / Loans
0.90%
Coverage
105.7%
True Loss Coverage
105.6%
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 14:00:12 UTC