Liquidity
StableQoQ -18
72
Sub-score
Liquidity is stable: brokered 7.1%, loans/deposits 87.8%, cash 3.6% of assets.
- Cash / Assets
- 3.60%
- Loans / Deposits
- 87.79%
- Brokered %
- 7.05%
No watch items at this period.
Arrow Bank National Association
IDRSSD: 866000
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
86
/ 100
StrongAs of 2024-Q4QoQ -1
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 #866000 2024-Q4 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).
Liquidity:Stable
Securities:Strong
Capitalization:Strong
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:
↓ -1 ptscomposite
- Liquidity↓ -18
- Securities— —
- Capitalization↑ +1
- Asset Quality↑ +1
- Reserves↑ +15
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 4.6% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 4.57%
SVB watch metric
No watch items at this period.
Capitalization
StrongQoQ +1
85
Sub-score
Capital position is strong: Tier 1 RBC 12.86%, CET1 12.86%, leverage 9.17%.
- Tier 1 RBC
- 12.86%
- CET1
- 12.86%
- Leverage
- 9.17%
No watch items at this period.
Asset Quality
StrongQoQ +1
96
Sub-score
Asset quality is strong: Adjusted NPL 0.62%, Texas Ratio 4.8%, NCO YTD 0.21%.
- Adjusted NPL
- 0.62%
- Texas Ratio
- 4.8%
- NCO YTD
- 0.21%
- 30-89 PD
- 0.61%
- 90+ PD
- 0.01%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StableQoQ +15
74
Sub-score
Reserves are stable: ALLL 0.99% of loans, coverage 161.1%, true coverage 160.9%.
- ALLL / Loans
- 0.99%
- Coverage
- 161.1%
- True Loss Coverage
- 160.9%
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.tsfor 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