Bac Community Bank
Bank Health Dashboard
Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 7 alerts active.
Summary
RSSD 5461 held $780.1M in total assets as of 2026-03-31 (-0.8% quarter-over-quarter). Total loans stood at $469.7M (-1.2% QoQ) and total deposits at $684.8M (+2.1% QoQ).
Overall position is adequate — the composite Health Score is 50/100 (Adequate). Tier 1 / RWA stands at 16.17%, in the above median of peers. Asset quality (NPL ratio) sits in the below median of peers.
7 Quarterly Anomaly Alerts fired this quarter, including 2 critical-severity rows. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.
Headline KPIs
Quarterly Anomaly Alerts
Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).
- Critical· Cliff Drop AlertNet Charge-Offs / Avg Loans dropped 48 percentile points vs prior quarterNow ranks at the 22th percentile of peers (was 70th).
- Critical· Cliff Drop AlertNPL / Loans dropped 41 percentile points vs prior quarterNow ranks at the 49th percentile of peers (was 90th).
- Warning· Cliff Drop AlertALLL Coverage of NPL dropped 36 percentile points vs prior quarterNow ranks at the 62th percentile of peers (was 98th).
- Warning· Peer Outlier AlertALLL Coverage of NPL QoQ change is -2.0σ from peer-group averageMoved from 11528.33% to 358.38%; peers averaged a -43.55% change.
- Warning· Cliff Drop AlertBrokered / Deposits dropped 27 percentile points vs prior quarterNow ranks at the 52th percentile of peers (was 79th).
- Warning· Cliff Drop AlertNPA / Assets dropped 37 percentile points vs prior quarterNow ranks at the 54th percentile of peers (was 91th).
- Warning· Cliff Drop AlertTexas Ratio (regulatory) dropped 37 percentile points vs prior quarterNow ranks at the 54th percentile of peers (was 91th).
Peer-Percentile Metric Grid
Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.
Capital
Liquidity
Asset Quality
Earnings
Funding
Securities
Methodology
- Health Score (0-100)
- Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
- Peer group
- Same asset-size bucket and charter type as the subject bank, computed nightly into
PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles. - Cliff Drop Alert
- Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
- Peer Outlier Alert
- Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
- Threshold Crossing Alert
- Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
- Source
- FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into
CallReport_FinancialsandCallReport_FdicData. Visbanking's metric coloring and alert thresholds.
Generated: 2026-05-12 21:25:46 UTC