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Bank Of Deerfield

IDRSSD: 588245
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
82
/ 100
StrongAs of 2023-Q4QoQ -4

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 #588245 2023-Q4 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 106.0% (threshold 100%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.48% of assets (threshold 3%).
  3. info
    Brokered deposits above 30%
    Liquidity — Brokered 30.0% of deposits (threshold 30%).

What changed this quarter

Compared to Q3 2023:
↓ -4 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ -4
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -8
43
Sub-score

Liquidity is deteriorating: brokered 30.0%, loans/deposits 106.0%, cash 1.5% of assets.

Cash / Assets
1.48%
Loans / Deposits
106.05%
Brokered %
30.04%

Watch Items

  • infoBrokered deposits above 30% — Brokered 30.0% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 106.0% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.48% 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 -5
87
Sub-score

Capital position is strong: Tier 1 RBC 12.14%, CET1 12.14%, leverage 10.28%.

Tier 1 RBC
12.14%
CET1
12.14%
Leverage
10.28%
No watch items at this period.

Asset Quality

StrongQoQ -4
96
Sub-score

Asset quality is strong: Adjusted NPL 0.41%, Texas Ratio 3.3%, NCO YTD 0.05%.

Adjusted NPL
0.41%
Govt-guarantees stripped
Texas Ratio
3.3%
NCO YTD
0.05%
30-89 PD
0.88%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
86
Sub-score

Reserves are strong: ALLL 1.07% of loans, coverage 262.1%, true coverage 172.2%.

ALLL / Loans
1.07%
Coverage
262.1%
True Loss Coverage
172.2%
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: 2026-05-13 16:45:39 UTC