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Bank47

IDRSSD: 1474309
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2024-Q1QoQ +3

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

Quarterly Headline

2024-Q1

Bank #1474309 2024-Q1 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.12% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2023:
↑ +3 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↑ +7
  • Reserves
    ↓ 0

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 32.0%, cash 35.6% of assets.

Cash / Assets
35.64%
Loans / Deposits
32.00%
Brokered %
0.00%
No watch items at this period.

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 +5
100
Sub-score

Capital position is strong: Tier 1 RBC 63.15%, CET1 63.15%, leverage 26.25%.

Tier 1 RBC
63.15%
CET1
63.15%
Leverage
26.25%
No watch items at this period.

Asset Quality

WatchQoQ +7
55
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.12%, Texas Ratio 3.2%, NCO YTD 0.37%.

Adjusted NPL
3.12%
Govt-guarantees stripped
Texas Ratio
3.2%
NCO YTD
0.37%
30-89 PD
2.92%
Band 0.3% / 3.0%
90+ PD
0.60%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.12% (govt-guarantees stripped).

Reserves

StrongQoQ 0
95
Sub-score

Reserves are strong: ALLL 5.28% of loans, coverage 178.6%, true coverage 163.3%.

ALLL / Loans
5.28%
Coverage
178.6%
True Loss Coverage
163.3%
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 09:31:59 UTC