Liquidity
Liquidity is strong: brokered 0.0%, loans/deposits 21.7%, cash 15.1% of assets.
- Cash / Assets
- 15.07%
- Loans / Deposits
- 21.70%
- Brokered %
- 0.00%
Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Bank #236256 2023-Q4 Vital Signs Score: 100/100 — overall strong. Strongest pillar: Liquidity (strong).
No watch items detected this quarter — every pillar within band.
Liquidity is strong: brokered 0.0%, loans/deposits 21.7%, cash 15.1% of assets.
Securities profile is strong: securities 4.4% of assets.
Capital position is strong: Tier 1 RBC 33.45%, CET1 33.45%, leverage 11.43%.
Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD 0.00%.
Reserves are strong: ALLL 1.78% of loans.
functions/src/vitalSignsScore.ts for the complete formula and band anchors.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 23:24:35 UTC