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Bank Midwest

IDRSSD: 45551
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
81
/ 100
StrongAs of 2023-Q4QoQ -4

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 #45551 2023-Q4 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2023:
↓ -4 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    — —
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -5
68
Sub-score

Liquidity is stable: brokered 4.6%, loans/deposits 97.9%, cash 3.3% of assets.

Cash / Assets
3.26%
Loans / Deposits
97.94%
Brokered %
4.64%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.22%
No watch items at this period.

Capitalization

Stable
65
Sub-score

Capital position is stable: Tier 1 RBC 10.35%, CET1 10.35%, leverage 9.08%.

Tier 1 RBC
10.35%
CET1
10.35%
Leverage
9.08%
No watch items at this period.

Asset Quality

Strong
98
Sub-score

Asset quality is strong: Adjusted NPL 0.27%, Texas Ratio 2.2%, NCO YTD 0.37%.

Adjusted NPL
0.27%
Govt-guarantees stripped
Texas Ratio
2.2%
NCO YTD
0.37%
30-89 PD
0.20%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
76
Sub-score

Reserves are stable: ALLL 0.78% of loans, coverage 294.1%, true coverage 272.4%.

ALLL / Loans
0.78%
Coverage
294.1%
True Loss Coverage
272.4%
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 00:16:39 UTC