Visbanking Logo
Skip to main content

Bank Of Cave City

IDRSSD: 629148
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
81
/ 100
StrongAs of 2024-Q1QoQ -7

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 #629148 2024-Q1 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.33% of assets (threshold 3%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.70% of loans.

What changed this quarter

Compared to Q4 2023:
↓ -7 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -42

The five pillars

Liquidity

StableQoQ +1
77
Sub-score

Liquidity is stable: brokered 1.3%, loans/deposits 79.8%, cash 2.3% of assets.

Cash / Assets
2.33%
Loans / Deposits
79.79%
Brokered %
1.29%

Watch Items

  • infoCash / Assets below 3% — Cash 2.33% 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 +3
92
Sub-score

Capital position is strong: Tier 1 RBC 20.00%, CET1 20.00%, leverage 8.51%.

Tier 1 RBC
20.00%
CET1
20.00%
Leverage
8.51%
No watch items at this period.

Asset Quality

StrongQoQ -7
84
Sub-score

Asset quality is strong: Adjusted NPL 0.73%, Texas Ratio 5.4%, NCO YTD -0.14%.

Adjusted NPL
0.73%
Govt-guarantees stripped
Texas Ratio
5.4%
NCO YTD
-0.14%
30-89 PD
2.50%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -42
45
Sub-score

Reserves are deteriorating: ALLL 0.70% of loans, coverage 97.4%, true coverage 87.7%.

ALLL / Loans
0.70%
Coverage
97.4%
True Loss Coverage
87.7%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.70% 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: 2026-05-12 01:19:15 UTC