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Bank Of Clarks

IDRSSD: 76153
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2024-Q2QoQ -6

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

Quarterly Headline

2024-Q2

Bank #76153 2024-Q2 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.25% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2024:
↓ -6 ptscomposite
  • Liquidity
    ↓ -22
  • Securities
    — —
  • Capitalization
    ↓ -17
  • Asset Quality
    ↑ +15
  • Reserves
    ↓ -8

The five pillars

Liquidity

StableQoQ -22
77
Sub-score

Liquidity is stable: brokered 1.2%, loans/deposits 84.4%, cash 3.3% of assets.

Cash / Assets
3.28%
Loans / Deposits
84.43%
Brokered %
1.21%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 16.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
16.52%
No watch items at this period.

Capitalization

StableQoQ -17
79
Sub-score

Capital position is stable: Tier 1 RBC 12.01%, CET1 12.01%, leverage 9.96%.

Tier 1 RBC
12.01%
CET1
12.01%
Leverage
9.96%
No watch items at this period.

Asset Quality

StrongQoQ +15
82
Sub-score

Asset quality is strong: Adjusted NPL 2.25%, Texas Ratio 14.9%, NCO YTD -0.02%.

Adjusted NPL
2.25%
Govt-guarantees stripped
Texas Ratio
14.9%
NCO YTD
-0.02%
30-89 PD
0.32%
Band 0.3% / 3.0%
90+ PD
0.31%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.25% (govt-guarantees stripped).

Reserves

StableQoQ -8
64
Sub-score

Reserves are stable: ALLL 1.77% of loans, coverage 79.9%, true coverage 79.9%.

ALLL / Loans
1.77%
Coverage
79.9%
True Loss Coverage
79.9%
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