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Avidbank

IDRSSD: 3214059
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
83
/ 100
StrongAs of 2024-Q3QoQ +5

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 #3214059 2024-Q3 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q2 2024:
↑ +5 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    ↑ +9
  • Asset Quality
    — —
  • Reserves
    ↑ +8

The five pillars

Liquidity

WatchQoQ +7
60
Sub-score

Liquidity is deteriorating: brokered 29.8%, loans/deposits 92.7%, cash 6.0% of assets.

Cash / Assets
5.96%
Loans / Deposits
92.74%
Brokered %
29.81%
No watch items at this period.

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

StableQoQ +9
74
Sub-score

Capital position is stable: Tier 1 RBC 11.51%, CET1 11.51%, leverage 10.62%.

Tier 1 RBC
11.51%
CET1
11.51%
Leverage
10.62%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.21%, Texas Ratio 1.3%, NCO YTD 0.02%.

Adjusted NPL
0.21%
Govt-guarantees stripped
Texas Ratio
1.3%
NCO YTD
0.02%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +8
81
Sub-score

Reserves are strong: ALLL 1.25% of loans, coverage 616.3%, true coverage 77.6%.

ALLL / Loans
1.25%
Coverage
616.3%
True Loss Coverage
77.6%
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 03:48:26 UTC