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Bank Of Utica

IDRSSD: 254317
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
59
/ 100
WatchAs of 2024-Q3QoQ -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-Q3

Bank #254317 2024-Q3 Vital Signs Score: 59/100 — overall watch. Strongest pillar: Asset Quality (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.93% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↓ -4 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -26

The five pillars

Liquidity

StrongQoQ 0
84
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 12.2%, cash 2.9% of assets.

Cash / Assets
2.93%
Loans / Deposits
12.20%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.93% of assets (threshold 3%).

Securities

Risk
0
Sub-score

Securities profile is weak: securities 73.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
73.14%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 25.41%.

Tier 1 RBC
—
CET1
0.00%
Leverage
25.41%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ -1
87
Sub-score

Asset quality is strong: Adjusted NPL 0.96%, Texas Ratio 0.3%, NCO YTD 0.06%.

Adjusted NPL
0.96%
Govt-guarantees stripped
Texas Ratio
0.3%
NCO YTD
0.06%
30-89 PD
0.90%
Band 0.3% / 3.0%
90+ PD
0.62%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -26
52
Sub-score

Reserves are deteriorating: ALLL 0.89% of loans, coverage 92.8%, true coverage 92.8%.

ALLL / Loans
0.89%
Coverage
92.8%
True Loss Coverage
92.8%
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 14:57:23 UTC