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Bank Of Crocker

IDRSSD: 765354
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2024-Q4QoQ -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-Q4

Bank #765354 2024-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.52% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↓ -7 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -16
  • Reserves
    ↓ -22

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 35.7%, cash 11.9% of assets.

Cash / Assets
11.94%
Loans / Deposits
35.66%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.79%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 29.72%, CET1 29.72%, leverage 12.54%.

Tier 1 RBC
29.72%
CET1
29.72%
Leverage
12.54%
No watch items at this period.

Asset Quality

StableQoQ -16
68
Sub-score

Asset quality is stable: Adjusted NPL 2.52%, Texas Ratio 6.4%, NCO YTD -0.05%.

Adjusted NPL
2.52%
Govt-guarantees stripped
Texas Ratio
6.4%
NCO YTD
-0.05%
30-89 PD
1.52%
Band 0.3% / 3.0%
90+ PD
0.98%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.52% (govt-guarantees stripped).

Reserves

WatchQoQ -22
45
Sub-score

Reserves are deteriorating: ALLL 1.43% of loans, coverage 57.3%, true coverage 57.3%.

ALLL / Loans
1.43%
Coverage
57.3%
True Loss Coverage
57.3%
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 21:24:11 UTC