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IDRSSD: 2860459
Total Assets
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Latest filing
Total Deposits
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Latest filing
Net Interest Margin
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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
90
/ 100
StrongAs of 2024-Q3QoQ 0

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 #2860459 2024-Q3 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Brokered deposits above 30%
    Liquidity — Brokered 30.6% of deposits (threshold 30%).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.11% of loans.

What changed this quarter

Compared to Q2 2024:
↑ 0 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ +5
  • Reserves
    ↓ -7

The five pillars

Liquidity

StableQoQ +4
80
Sub-score

Liquidity is stable: brokered 30.6%, loans/deposits 70.4%, cash 19.1% of assets.

Cash / Assets
19.07%
Loans / Deposits
70.42%
Brokered %
30.58%

Watch Items

  • infoBrokered deposits above 30% — Brokered 30.6% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.37%
No watch items at this period.

Capitalization

StrongQoQ -2
98
Sub-score

Capital position is strong: Tier 1 RBC 16.64%, CET1 16.64%, leverage 9.55%.

Tier 1 RBC
16.64%
CET1
16.64%
Leverage
9.55%
No watch items at this period.

Asset Quality

StrongQoQ +5
81
Sub-score

Asset quality is strong: Adjusted NPL 0.92%, Texas Ratio 4.4%, NCO YTD 1.11%.

Adjusted NPL
0.92%
Govt-guarantees stripped
Texas Ratio
4.4%
NCO YTD
1.11%
30-89 PD
1.36%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.11% of loans.

Reserves

StrongQoQ -7
93
Sub-score

Reserves are strong: ALLL 1.50% of loans, coverage 166.8%, true coverage 166.8%.

ALLL / Loans
1.50%
Coverage
166.8%
True Loss Coverage
166.8%
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: 2026-05-15 09:53:37 UTC