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IDRSSD: 329149
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
72
/ 100
StableAs of 2023-Q4QoQ -8

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 #329149 2023-Q4 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 117.3% (threshold 100%).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 6.07% of loans.
  3. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.95% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↓ -8 ptscomposite
  • Liquidity
    ↓ -14
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -17
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -14
54
Sub-score

Liquidity is deteriorating: brokered 9.0%, loans/deposits 117.3%, cash 1.0% of assets.

Cash / Assets
0.95%
Loans / Deposits
117.32%
Brokered %
9.01%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 117.3% (threshold 100%).
  • riskCash / Assets below 3% — Cash 0.95% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.60%
No watch items at this period.

Capitalization

WatchQoQ -1
57
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.74%, CET1 9.74%, leverage 8.66%.

Tier 1 RBC
9.74%
CET1
9.74%
Leverage
8.66%
No watch items at this period.

Asset Quality

StrongQoQ -17
83
Sub-score

Asset quality is strong: Adjusted NPL 0.03%, Texas Ratio 0.3%, NCO YTD 6.07%.

Adjusted NPL
0.03%
Govt-guarantees stripped
Texas Ratio
0.3%
NCO YTD
6.07%
30-89 PD
0.34%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 6.07% of loans.

Reserves

Stable
77
Sub-score

Reserves are stable: ALLL 0.82% of loans, coverage 2442.2%, true coverage 2442.2%.

ALLL / Loans
0.82%
Coverage
2442.2%
True Loss Coverage
2442.2%
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: 2026-05-15 02:42:29 UTC