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Bank Midwest

IDRSSD: 45551
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2024-Q4QoQ +3

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

Quarterly Headline

2024-Q4

Bank #45551 2024-Q4 Vital Signs Score: 78/100 — overall stable. 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 2024:
↑ +3 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +7
  • Reserves
    ↑ +5

The five pillars

Liquidity

StableQoQ +3
66
Sub-score

Liquidity is stable: brokered 12.9%, loans/deposits 90.0%, cash 3.3% of assets.

Cash / Assets
3.28%
Loans / Deposits
90.01%
Brokered %
12.86%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.26%
No watch items at this period.

Capitalization

StableQoQ -1
61
Sub-score

Capital position is stable: Tier 1 RBC 10.68%, CET1 10.68%, leverage 9.28%.

Tier 1 RBC
10.68%
CET1
10.68%
Leverage
9.28%
No watch items at this period.

Asset Quality

StrongQoQ +7
95
Sub-score

Asset quality is strong: Adjusted NPL 0.72%, Texas Ratio 5.6%, NCO YTD 0.36%.

Adjusted NPL
0.72%
Govt-guarantees stripped
Texas Ratio
5.6%
NCO YTD
0.36%
30-89 PD
0.18%
Band 0.3% / 3.0%
90+ PD
0.06%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +5
72
Sub-score

Reserves are stable: ALLL 1.03% of loans, coverage 144.8%, true coverage 140.8%.

ALLL / Loans
1.03%
Coverage
144.8%
True Loss Coverage
140.8%
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