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Bank Cmg

IDRSSD: 576644
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2024-Q1QoQ +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-Q1

Bank #576644 2024-Q1 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.48% of loans.

What changed this quarter

Compared to Q4 2023:
↑ +1 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    — —
  • Capitalization
    ↑ +7
  • Asset Quality
    ↓ -8
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +9
83
Sub-score

Liquidity is strong: brokered 9.9%, loans/deposits 89.9%, cash 11.2% of assets.

Cash / Assets
11.15%
Loans / Deposits
89.93%
Brokered %
9.94%
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 +7
79
Sub-score

Capital position is stable: Tier 1 RBC 11.55%, CET1 11.55%, leverage 9.49%.

Tier 1 RBC
11.55%
CET1
11.55%
Leverage
9.49%
No watch items at this period.

Asset Quality

StableQoQ -8
80
Sub-score

Asset quality is stable: Adjusted NPL 0.65%, Texas Ratio 4.5%, NCO YTD 1.48%.

Adjusted NPL
0.65%
Govt-guarantees stripped
Texas Ratio
4.5%
NCO YTD
1.48%
30-89 PD
1.36%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.48% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 1.89% of loans, coverage 293.8%, true coverage 183.4%.

ALLL / Loans
1.89%
Coverage
293.8%
True Loss Coverage
183.4%
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 10:50:19 UTC