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Bank 7

IDRSSD: 18854
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2023-Q4QoQ -15

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #18854 2023-Q4 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 4.78% of loans.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.16% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↓ -15 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -38
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ 0
81
Sub-score

Liquidity is strong: brokered 17.2%, loans/deposits 84.3%, cash 11.2% of assets.

Cash / Assets
11.22%
Loans / Deposits
84.32%
Brokered %
17.18%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.91%
No watch items at this period.

Capitalization

StableQoQ -1
78
Sub-score

Capital position is stable: Tier 1 RBC 11.50%, CET1 11.50%, leverage 9.45%.

Tier 1 RBC
11.50%
CET1
11.50%
Leverage
9.45%
No watch items at this period.

Asset Quality

StableQoQ -38
62
Sub-score

Asset quality is stable: Adjusted NPL 2.16%, Texas Ratio 15.5%, NCO YTD 4.78%.

Adjusted NPL
2.16%
Govt-guarantees stripped
Texas Ratio
15.5%
NCO YTD
4.78%
30-89 PD
0.04%
Band 0.3% / 3.0%
90+ PD
0.75%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.16% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 4.78% of loans.

Reserves

Watch
54
Sub-score

Reserves are deteriorating: ALLL 1.45% of loans, coverage 68.0%, true coverage 68.0%.

ALLL / Loans
1.45%
Coverage
68.0%
True Loss Coverage
68.0%
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: 2026-05-13 16:32:15 UTC