Liquidity
StrongQoQ +5
99
Sub-score
Liquidity is strong: brokered 1.0%, cash 14.0% of assets.
- Cash / Assets
- 14.02%
- Loans / Deposits
- —
- Brokered %
- 0.98%
No watch items at this period.
Bank Michigan
IDRSSD: 382742
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2023-Q3
Per-quarter snapshot for 2023-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
83
/ 100
StrongAs of 2023-Q3QoQ -13
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2023-Q3
Bank #382742 2023-Q3 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).
Liquidity:Strong
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Unknown
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q2 2023:
↓ -13 ptscomposite
- Liquidity↑ +5
- Securities— —
- Capitalization— —
- Asset Quality— —
- Reserves— —
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 4.1% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 4.08%
SVB watch metric
No watch items at this period.
Capitalization
Watch
44
Sub-score
Capital position is deteriorating: Tier 1 RBC 9.49%, leverage 7.17%.
- Tier 1 RBC
- 9.49%
- CET1
- —
- Leverage
- 7.17%
No watch items at this period.
Asset Quality
Strong
100
Sub-score
Asset quality is strong: NCO YTD 0.01%.
- Adjusted NPL
- —
- Texas Ratio
- —
- NCO YTD
- 0.01%
- 30-89 PD
- —
- 90+ PD
- —
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
Unknown
—
Sub-score
Insufficient data to compute a narrative for this pillar.
- ALLL / Loans
- —
- Coverage
- —
- True Loss Coverage
- —
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.tsfor 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: 2026-05-12 00:47:44 UTC