Visbanking Logo
Skip to main content

Bank Of Eufaula

IDRSSD: 343051
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
54
/ 100
WatchAs of 2024-Q1QoQ -3

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

Quarterly Headline

2024-Q1

Bank #343051 2024-Q1 Vital Signs Score: 54/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 16.7% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 16.7% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 18.65% of loans.

What changed this quarter

Compared to Q4 2023:
↓ -3 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -16

The five pillars

Liquidity

StrongQoQ 0
94
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 32.3%, cash 7.3% of assets.

Cash / Assets
7.28%
Loans / Deposits
32.33%
Brokered %
0.00%
No watch items at this period.

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

WatchQoQ 0
43
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.17%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.17%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

RiskQoQ -2
27
Sub-score

Asset quality is weak: Adjusted NPL 6.17%, Texas Ratio 18.0%, NCO YTD 18.65%.

Adjusted NPL
6.17%
Govt-guarantees stripped
Texas Ratio
18.0%
NCO YTD
18.65%
30-89 PD
5.85%
Band 0.3% / 3.0%
90+ PD
0.62%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 6.17% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 18.65% of loans.

Reserves

RiskQoQ -16
17
Sub-score

Reserves are weak: ALLL 1.02% of loans, coverage 16.7%, true coverage 16.7%.

ALLL / Loans
1.02%
Coverage
16.7%
True Loss Coverage
16.7%

Watch Items

  • riskALLL / NPL below 50% — Coverage 16.7% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 16.7% (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: 2026-05-13 16:24:54 UTC