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Bank Of Dixon County

IDRSSD: 920359
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
85
/ 100
StrongAs of 2024-Q4QoQ +5

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 #920359 2024-Q4 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 49.3% (Adjusted NPL + Performing Mods denominator).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.57% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↑ +5 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +15
  • Reserves
    ↑ +8

The five pillars

Liquidity

StrongQoQ +2
97
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 75.9%, cash 16.5% of assets.

Cash / Assets
16.50%
Loans / Deposits
75.92%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.14%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 20.56%, CET1 20.56%, leverage 13.05%.

Tier 1 RBC
20.56%
CET1
20.56%
Leverage
13.05%
No watch items at this period.

Asset Quality

StableQoQ +15
80
Sub-score

Asset quality is stable: Adjusted NPL 2.57%, Texas Ratio 12.2%, NCO YTD -0.45%.

Adjusted NPL
2.57%
Govt-guarantees stripped
Texas Ratio
12.2%
NCO YTD
-0.45%
30-89 PD
0.63%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.57% (govt-guarantees stripped).

Reserves

RiskQoQ +8
36
Sub-score

Reserves are weak: ALLL 1.31% of loans, coverage 51.5%, true coverage 49.3%.

ALLL / Loans
1.31%
Coverage
51.5%
True Loss Coverage
49.3%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.3% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-14 20:29:32 UTC