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Bank Of Springfield

IDRSSD: 248240
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
69
/ 100
StableAs of 2023-Q4QoQ -13

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 #248240 2023-Q4 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 45.3% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2023:
↓ -13 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -8
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -8
71
Sub-score

Liquidity is stable: brokered 4.1%, loans/deposits 98.7%, cash 4.8% of assets.

Cash / Assets
4.83%
Loans / Deposits
98.66%
Brokered %
4.08%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.61%
No watch items at this period.

Capitalization

StableQoQ -2
60
Sub-score

Capital position is stable: Tier 1 RBC 10.14%, CET1 10.14%, leverage 8.59%.

Tier 1 RBC
10.14%
CET1
10.14%
Leverage
8.59%
No watch items at this period.

Asset Quality

StrongQoQ -8
84
Sub-score

Asset quality is strong: Adjusted NPL 1.55%, Texas Ratio 13.9%, NCO YTD 0.77%.

Adjusted NPL
1.55%
Govt-guarantees stripped
Texas Ratio
13.9%
NCO YTD
0.77%
30-89 PD
0.09%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Risk
22
Sub-score

Reserves are weak: ALLL 0.89% of loans, coverage 57.8%, true coverage 45.3%.

ALLL / Loans
0.89%
Coverage
57.8%
True Loss Coverage
45.3%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 45.3% (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: 2026-05-12 21:26:58 UTC