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Bank Of Cave City

IDRSSD: 629148
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2023-Q4QoQ -1

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

Quarterly Headline

2023-Q4

Bank #629148 2023-Q4 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.38% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↓ -1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -5
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -1
76
Sub-score

Liquidity is stable: brokered 1.3%, loans/deposits 81.9%, cash 2.4% of assets.

Cash / Assets
2.38%
Loans / Deposits
81.95%
Brokered %
1.33%

Watch Items

  • infoCash / Assets below 3% — Cash 2.38% of assets (threshold 3%).

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 +4
89
Sub-score

Capital position is strong: Tier 1 RBC 23.93%, CET1 23.93%, leverage 7.99%.

Tier 1 RBC
23.93%
CET1
23.93%
Leverage
7.99%
No watch items at this period.

Asset Quality

StrongQoQ -5
91
Sub-score

Asset quality is strong: Adjusted NPL 0.73%, Texas Ratio 5.6%, NCO YTD 0.06%.

Adjusted NPL
0.73%
Govt-guarantees stripped
Texas Ratio
5.6%
NCO YTD
0.06%
30-89 PD
1.29%
Band 0.3% / 3.0%
90+ PD
0.15%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
87
Sub-score

Reserves are strong: ALLL 1.26% of loans, coverage 175.2%, true coverage 157.5%.

ALLL / Loans
1.26%
Coverage
175.2%
True Loss Coverage
157.5%
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: 2026-05-12 01:19:15 UTC