Visbanking Logo
Skip to main content

Bank Of Kilmichael

IDRSSD: 780049
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
79
/ 100
StableAs of 2023-Q4QoQ -11

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 #780049 2023-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Reserves (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.04% of loans.

What changed this quarter

Compared to Q3 2023:
↓ -11 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    ↑ +1
  • Capitalization
    ↓ -44
  • Asset Quality
    ↓ -10
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +3
88
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 53.9%, cash 4.5% of assets.

Cash / Assets
4.48%
Loans / Deposits
53.95%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ +1
85
Sub-score

Securities profile is strong: securities 24.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
24.52%
No watch items at this period.

Capitalization

WatchQoQ -44
46
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.50%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.50%

Watch Items

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

Asset Quality

StrongQoQ -10
90
Sub-score

Asset quality is strong: Adjusted NPL 0.14%, Texas Ratio 0.7%, NCO YTD 1.04%.

Adjusted NPL
0.14%
Govt-guarantees stripped
Texas Ratio
0.7%
NCO YTD
1.04%
30-89 PD
0.53%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.04% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 1.99% of loans, coverage 1409.6%, true coverage 1409.6%.

ALLL / Loans
1.99%
Coverage
1409.6%
True Loss Coverage
1409.6%
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: 2026-05-15 01:06:41 UTC