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Bank Of Eufaula

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

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
63
/ 100
StableAs of 2024-Q3QoQ +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-Q3

Bank #343051 2024-Q3 Vital Signs Score: 63/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 7.25% (govt-guarantees stripped).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 36.1% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2024:
↑ +3 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +12
  • Reserves
    ↓ -3

The five pillars

Liquidity

StrongQoQ 0
97
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 30.5%, cash 8.5% of assets.

Cash / Assets
8.46%
Loans / Deposits
30.51%
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 +1
47
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.69%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.69%

Watch Items

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

Asset Quality

WatchQoQ +12
45
Sub-score

Asset quality is deteriorating: Adjusted NPL 7.25%, Texas Ratio 18.6%, NCO YTD 0.49%.

Adjusted NPL
7.25%
Govt-guarantees stripped
Texas Ratio
18.6%
NCO YTD
0.49%
30-89 PD
4.75%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 7.25% (govt-guarantees stripped).

Reserves

RiskQoQ -3
36
Sub-score

Reserves are weak: ALLL 2.59% of loans, coverage 36.7%, true coverage 36.1%.

ALLL / Loans
2.59%
Coverage
36.7%
True Loss Coverage
36.1%

Watch Items

  • watchALLL / NPL below 50% — Coverage 36.7% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 36.1% (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: 2026-05-13 16:24:54 UTC