Visbanking Logo
Skip to main content

Bank Of Springfield

IDRSSD: 248240
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2024-Q1QoQ +4

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

Quarterly Headline

2024-Q1

Bank #248240 2024-Q1 Vital Signs Score: 72/100 — 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

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2023:
↑ +4 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +6
  • Reserves
    ↑ +7

The five pillars

Liquidity

StableQoQ +2
73
Sub-score

Liquidity is stable: brokered 0.3%, loans/deposits 99.3%, cash 4.7% of assets.

Cash / Assets
4.69%
Loans / Deposits
99.34%
Brokered %
0.26%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.09%
No watch items at this period.

Capitalization

StableQoQ +2
62
Sub-score

Capital position is stable: Tier 1 RBC 10.30%, CET1 10.30%, leverage 8.72%.

Tier 1 RBC
10.30%
CET1
10.30%
Leverage
8.72%
No watch items at this period.

Asset Quality

StrongQoQ +6
90
Sub-score

Asset quality is strong: Adjusted NPL 1.52%, Texas Ratio 13.4%, NCO YTD 0.02%.

Adjusted NPL
1.52%
Govt-guarantees stripped
Texas Ratio
13.4%
NCO YTD
0.02%
30-89 PD
0.17%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +7
29
Sub-score

Reserves are weak: ALLL 0.96% of loans, coverage 63.7%, true coverage 53.0%.

ALLL / Loans
0.96%
Coverage
63.7%
True Loss Coverage
53.0%
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: 2026-05-12 21:26:58 UTC