Visbanking Logo
Skip to main content

Bank Of America California National Association

IDRSSD: 1443266
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
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
76
/ 100
StableAs of 2024-Q1QoQ 0

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 #1443266 2024-Q1 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 17.1% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 17.3% (regulatory soft-warning level 50%).
  3. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.12% of loans.

What changed this quarter

Compared to Q4 2023:
↓ 0 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ 0
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -3
78
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 105.5%.

Cash / Assets
—
Loans / Deposits
105.49%
Brokered %
0.00%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 105.5% (threshold 100%).

Securities

Unknown
—
Sub-score

Insufficient data to compute a narrative for this pillar.

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

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 37.02%, CET1 37.02%, leverage 15.07%.

Tier 1 RBC
37.02%
CET1
37.02%
Leverage
15.07%
No watch items at this period.

Asset Quality

StrongQoQ 0
97
Sub-score

Asset quality is strong: Adjusted NPL 0.70%, Texas Ratio 3.6%, NCO YTD 0.00%.

Adjusted NPL
0.70%
Govt-guarantees stripped
Texas Ratio
3.6%
NCO YTD
0.00%
30-89 PD
0.39%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Risk
0
Sub-score

Reserves are weak: ALLL 0.12% of loans, coverage 17.3%, true coverage 17.1%.

ALLL / Loans
0.12%
Coverage
17.3%
True Loss Coverage
17.1%

Watch Items

  • riskALLL / NPL below 50% — Coverage 17.3% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 17.1% (Adjusted NPL + Performing Mods denominator).
  • riskALLL / Loans below 0.75% — ALLL 0.12% of loans.

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 03:45:55 UTC