Liquidity
Liquidity is strong: brokered 0.0%, loans/deposits 22.3%, cash 10.3% of assets.
- Cash / Assets
- 10.29%
- Loans / Deposits
- 22.26%
- Brokered %
- 0.00%
Per-quarter snapshot for 2024-Q3: 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 2024-Q3 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 22.3%, cash 10.3% of assets.
Securities profile is strong: securities 3.6% of assets.
Capital position is strong: Tier 1 RBC 35.98%, CET1 35.98%, leverage 12.21%.
Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD 0.00%.
Reserves are strong: ALLL 1.79% 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