Visbanking Logo
Skip to main content

Avidia Bank

IDRSSD: 619701
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
80
/ 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 #619701 2024-Q4 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 104.8% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.34% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ +1
65
Sub-score

Liquidity is stable: brokered 1.3%, loans/deposits 104.8%, cash 2.3% of assets.

Cash / Assets
2.34%
Loans / Deposits
104.77%
Brokered %
1.30%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 104.8% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.34% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.44%
No watch items at this period.

Capitalization

WatchQoQ +3
59
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.78%, CET1 10.78%, leverage 8.35%.

Tier 1 RBC
10.78%
CET1
10.78%
Leverage
8.35%
No watch items at this period.

Asset Quality

StrongQoQ +1
100
Sub-score

Asset quality is strong: Adjusted NPL 0.20%, Texas Ratio 1.8%, NCO YTD 0.00%.

Adjusted NPL
0.20%
Govt-guarantees stripped
Texas Ratio
1.8%
NCO YTD
0.00%
30-89 PD
0.18%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -1
83
Sub-score

Reserves are strong: ALLL 0.99% of loans, coverage 501.3%, true coverage 155.5%.

ALLL / Loans
0.99%
Coverage
501.3%
True Loss Coverage
155.5%
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 19:35:09 UTC