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Bank360

IDRSSD: 464853
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2024-Q4QoQ +11

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

Quarterly Headline

2024-Q4

Bank #464853 2024-Q4 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.96% of assets (threshold 3%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.19% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↑ +11 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +53
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ +1
62
Sub-score

Liquidity is stable: brokered 12.8%, loans/deposits 89.0%, cash 1.0% of assets.

Cash / Assets
0.96%
Loans / Deposits
88.97%
Brokered %
12.84%

Watch Items

  • riskCash / Assets below 3% — Cash 0.96% 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

StrongQoQ +53
93
Sub-score

Capital position is strong: Tier 1 RBC 14.28%, CET1 14.28%, leverage 8.65%.

Tier 1 RBC
14.28%
CET1
14.28%
Leverage
8.65%
No watch items at this period.

Asset Quality

StableQoQ -8
67
Sub-score

Asset quality is stable: Adjusted NPL 2.19%, Texas Ratio 18.1%, NCO YTD -0.02%.

Adjusted NPL
2.19%
Govt-guarantees stripped
Texas Ratio
18.1%
NCO YTD
-0.02%
30-89 PD
4.15%
Band 0.3% / 3.0%
90+ PD
0.15%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.19% (govt-guarantees stripped).

Reserves

RiskQoQ -2
29
Sub-score

Reserves are weak: ALLL 1.08% of loans, coverage 50.1%, true coverage 50.1%.

ALLL / Loans
1.08%
Coverage
50.1%
True Loss Coverage
50.1%
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 01:13:24 UTC