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Bank Of Clarks

IDRSSD: 76153
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
86
/ 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 #76153 2023-Q4 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.56% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↑ +1 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    ↑ +16
  • Capitalization
    ↓ -3
  • Asset Quality
    ↑ +3
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +5
85
Sub-score

Liquidity is strong: brokered 1.2%, loans/deposits 71.5%, cash 4.1% of assets.

Cash / Assets
4.10%
Loans / Deposits
71.54%
Brokered %
1.25%
No watch items at this period.

Securities

StrongQoQ +16
93
Sub-score

Securities profile is strong: securities 22.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
22.16%
No watch items at this period.

Capitalization

StrongQoQ -3
97
Sub-score

Capital position is strong: Tier 1 RBC 13.46%, CET1 13.46%, leverage 10.08%.

Tier 1 RBC
13.46%
CET1
13.46%
Leverage
10.08%
No watch items at this period.

Asset Quality

StrongQoQ +3
81
Sub-score

Asset quality is strong: Adjusted NPL 2.56%, Texas Ratio 14.0%, NCO YTD -0.48%.

Adjusted NPL
2.56%
Govt-guarantees stripped
Texas Ratio
14.0%
NCO YTD
-0.48%
30-89 PD
0.42%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.56% (govt-guarantees stripped).

Reserves

Stable
67
Sub-score

Reserves are stable: ALLL 2.12% of loans, coverage 84.4%, true coverage 84.4%.

ALLL / Loans
2.12%
Coverage
84.4%
True Loss Coverage
84.4%
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 16:33:59 UTC