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Bank Of Maple Plain

IDRSSD: 989851
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
74
/ 100
StableAs of 2024-Q3QoQ -13

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 #989851 2024-Q3 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 2.43%.
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.76% of assets (threshold 3%).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 47.3% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q2 2024:
↓ -13 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -29
  • Reserves
    ↓ -37

The five pillars

Liquidity

StrongQoQ +1
82
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 58.8%, cash 1.8% of assets.

Cash / Assets
1.76%
Loans / Deposits
58.80%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.76% of assets (threshold 3%).

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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 28.34%, CET1 28.34%, leverage 13.73%.

Tier 1 RBC
28.34%
CET1
28.34%
Leverage
13.73%
No watch items at this period.

Asset Quality

WatchQoQ -29
53
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.43%, Texas Ratio 8.1%, NCO YTD 0.55%.

Adjusted NPL
2.43%
Govt-guarantees stripped
Texas Ratio
8.1%
NCO YTD
0.55%
30-89 PD
1.97%
Band 0.3% / 3.0%
90+ PD
2.43%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.43% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.43%.

Reserves

RiskQoQ -37
30
Sub-score

Reserves are weak: ALLL 1.14% of loans, coverage 47.3%, true coverage 47.3%.

ALLL / Loans
1.14%
Coverage
47.3%
True Loss Coverage
47.3%

Watch Items

  • infoALLL / NPL below 50% — Coverage 47.3% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 47.3% (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 23:16:31 UTC