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Bank Of Brewton

IDRSSD: 351131
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
77
/ 100
StableAs of 2024-Q4QoQ +11

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 #351131 2024-Q4 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / NPL below 50%
    Reserves — Coverage 34.1% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 34.1% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.34% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↑ +11 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +50
  • Asset Quality
    ↓ -8
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ 0
85
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 49.9%, cash 3.3% of assets.

Cash / Assets
3.32%
Loans / Deposits
49.89%
Brokered %
0.00%
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

StrongQoQ +50
100
Sub-score

Capital position is strong: Tier 1 RBC 28.43%, CET1 28.43%, leverage 23.54%.

Tier 1 RBC
28.43%
CET1
28.43%
Leverage
23.54%
No watch items at this period.

Asset Quality

StableQoQ -8
61
Sub-score

Asset quality is stable: Adjusted NPL 4.34%, Texas Ratio 7.2%, NCO YTD -4.79%.

Adjusted NPL
4.34%
Govt-guarantees stripped
Texas Ratio
7.2%
NCO YTD
-4.79%
30-89 PD
0.61%
Band 0.3% / 3.0%
90+ PD
0.80%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.34% (govt-guarantees stripped).

Reserves

RiskQoQ +1
34
Sub-score

Reserves are weak: ALLL 1.46% of loans, coverage 34.1%, true coverage 34.1%.

ALLL / Loans
1.46%
Coverage
34.1%
True Loss Coverage
34.1%

Watch Items

  • watchALLL / NPL below 50% — Coverage 34.1% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 34.1% (Adjusted NPL + Performing Mods denominator).

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 02:23:21 UTC