Visbanking Logo
Skip to main content

Bank Of Yates City

IDRSSD: 371849
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
80
/ 100
StableAs of 2023-Q4QoQ -4

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 #371849 2023-Q4 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.71% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↓ -4 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -19
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -1
70
Sub-score

Liquidity is stable: brokered 3.3%, loans/deposits 88.1%, cash 1.7% of assets.

Cash / Assets
1.71%
Loans / Deposits
88.13%
Brokered %
3.31%

Watch Items

  • watchCash / Assets below 3% — Cash 1.71% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.70%
No watch items at this period.

Capitalization

StableQoQ +3
72
Sub-score

Capital position is stable: Tier 1 RBC 11.22%, CET1 11.22%, leverage 8.82%.

Tier 1 RBC
11.22%
CET1
11.22%
Leverage
8.82%
No watch items at this period.

Asset Quality

StrongQoQ -19
81
Sub-score

Asset quality is strong: Adjusted NPL 1.13%, Texas Ratio 8.9%, NCO YTD 0.06%.

Adjusted NPL
1.13%
Govt-guarantees stripped
Texas Ratio
8.9%
NCO YTD
0.06%
30-89 PD
2.41%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
84
Sub-score

Reserves are strong: ALLL 1.47% of loans, coverage 132.0%, true coverage 103.9%.

ALLL / Loans
1.47%
Coverage
132.0%
True Loss Coverage
103.9%
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 02:54:51 UTC