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Banccentral National Association

IDRSSD: 251352
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
75
/ 100
StableAs 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 #251352 2024-Q3 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 22.23% of loans.
  2. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 15.33% (govt-guarantees stripped).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 34.6% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q2 2024:
↓ 0 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +7
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -3

The five pillars

Liquidity

StrongQoQ 0
99
Sub-score

Liquidity is strong: brokered 1.8%, loans/deposits 34.6%, cash 21.4% of assets.

Cash / Assets
21.43%
Loans / Deposits
34.59%
Brokered %
1.83%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.29%
No watch items at this period.

Capitalization

StrongQoQ +7
96
Sub-score

Capital position is strong: Tier 1 RBC 18.04%, CET1 18.04%, leverage 9.12%.

Tier 1 RBC
18.04%
CET1
18.04%
Leverage
9.12%
No watch items at this period.

Asset Quality

WatchQoQ -7
44
Sub-score

Asset quality is deteriorating: Adjusted NPL 15.33%, Texas Ratio 42.7%, NCO YTD 22.23%.

Adjusted NPL
15.33%
Govt-guarantees stripped
Texas Ratio
42.7%
NCO YTD
22.23%
30-89 PD
0.02%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 15.33% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 22.23% of loans.

Reserves

RiskQoQ -3
36
Sub-score

Reserves are weak: ALLL 5.04% of loans, coverage 34.6%, true coverage 34.6%.

ALLL / Loans
5.04%
Coverage
34.6%
True Loss Coverage
34.6%

Watch Items

  • watchALLL / NPL below 50% — Coverage 34.6% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 34.6% (Adjusted NPL + Performing Mods denominator).

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 05:25:40 UTC