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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2024-Q4QoQ +1

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

Quarterly Headline

2024-Q4

Bank #989851 2024-Q4 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 5.08% of loans.
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.78% of assets (threshold 3%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.08% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ +13

The five pillars

Liquidity

StrongQoQ 0
82
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 54.5%, cash 1.8% of assets.

Cash / Assets
1.78%
Loans / Deposits
54.54%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.78% 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 23.52%, CET1 23.52%, leverage 12.75%.

Tier 1 RBC
23.52%
CET1
23.52%
Leverage
12.75%
No watch items at this period.

Asset Quality

WatchQoQ -3
49
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.08%, Texas Ratio 7.3%, NCO YTD 5.08%.

Adjusted NPL
2.08%
Govt-guarantees stripped
Texas Ratio
7.3%
NCO YTD
5.08%
30-89 PD
3.04%
Band 0.3% / 3.0%
90+ PD
0.55%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.08% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 5.08% of loans.

Reserves

WatchQoQ +13
42
Sub-score

Reserves are deteriorating: ALLL 1.25% of loans, coverage 61.0%, true coverage 61.0%.

ALLL / Loans
1.25%
Coverage
61.0%
True Loss Coverage
61.0%
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: 2026-05-14 23:16:31 UTC