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Bank Of England

IDRSSD: 244149
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
84
/ 100
StrongAs of 2024-Q2QoQ -9

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 #244149 2024-Q2 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. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 6.18% of loans.
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 45.1% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2024:
↓ -9 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -17
  • Reserves
    ↓ -31

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 67.2%, cash 15.3% of assets.

Cash / Assets
15.26%
Loans / Deposits
67.17%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.87%
No watch items at this period.

Capitalization

StrongQoQ -1
99
Sub-score

Capital position is strong: Tier 1 RBC 15.02%, CET1 15.02%, leverage 13.60%.

Tier 1 RBC
15.02%
CET1
15.02%
Leverage
13.60%
No watch items at this period.

Asset Quality

StableQoQ -17
71
Sub-score

Asset quality is stable: Adjusted NPL 1.77%, Texas Ratio 6.1%, NCO YTD 6.18%.

Adjusted NPL
1.77%
Govt-guarantees stripped
Texas Ratio
6.1%
NCO YTD
6.18%
30-89 PD
0.24%
Band 0.3% / 3.0%
90+ PD
0.29%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 6.18% of loans.

Reserves

WatchQoQ -31
43
Sub-score

Reserves are deteriorating: ALLL 1.39% of loans, coverage 79.4%, true coverage 45.1%.

ALLL / Loans
1.39%
Coverage
79.4%
True Loss Coverage
45.1%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 45.1% (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 14:53:24 UTC