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Bank Of The Valley

IDRSSD: 478195
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
73
/ 100
StableAs of 2024-Q3QoQ -12

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 #478195 2024-Q3 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.52% of assets (threshold 3%).
  2. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.55%.

What changed this quarter

Compared to Q2 2024:
↓ -12 ptscomposite
  • Liquidity
    ↓ -13
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -21
  • Reserves
    ↓ -25

The five pillars

Liquidity

StableQoQ -13
61
Sub-score

Liquidity is stable: brokered 10.8%, loans/deposits 95.2%, cash 1.5% of assets.

Cash / Assets
1.52%
Loans / Deposits
95.18%
Brokered %
10.78%

Watch Items

  • watchCash / Assets below 3% — Cash 1.52% 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

StableQoQ -2
63
Sub-score

Capital position is stable: Tier 1 RBC 10.79%, CET1 10.79%, leverage 9.20%.

Tier 1 RBC
10.79%
CET1
10.79%
Leverage
9.20%
No watch items at this period.

Asset Quality

StableQoQ -21
76
Sub-score

Asset quality is stable: Adjusted NPL 1.60%, Texas Ratio 12.6%, NCO YTD 0.23%.

Adjusted NPL
1.60%
Govt-guarantees stripped
Texas Ratio
12.6%
NCO YTD
0.23%
30-89 PD
0.07%
Band 0.3% / 3.0%
90+ PD
1.55%
Band 0.1% / 2.0%

Watch Items

  • watch90+ days past due elevated — 90+ PD 1.55%.

Reserves

StableQoQ -25
75
Sub-score

Reserves are stable: ALLL 1.52% of loans, coverage 96.2%, true coverage 96.2%.

ALLL / Loans
1.52%
Coverage
96.2%
True Loss Coverage
96.2%
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: 2026-05-13 03:47:07 UTC