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Bank47

IDRSSD: 1474309
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
91
/ 100
StrongAs of 2024-Q3QoQ +2

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 #1474309 2024-Q3 Vital Signs Score: 91/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 6.38% of loans.

What changed this quarter

Compared to Q2 2024:
↑ +2 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +12
  • Reserves
    ↓ -8

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 43.4%, cash 28.6% of assets.

Cash / Assets
28.62%
Loans / Deposits
43.37%
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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 42.84%, CET1 42.84%, leverage 20.23%.

Tier 1 RBC
42.84%
CET1
42.84%
Leverage
20.23%
No watch items at this period.

Asset Quality

StableQoQ +12
69
Sub-score

Asset quality is stable: Adjusted NPL 1.75%, Texas Ratio 3.0%, NCO YTD 6.38%.

Adjusted NPL
1.75%
Govt-guarantees stripped
Texas Ratio
3.0%
NCO YTD
6.38%
30-89 PD
0.84%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 6.38% of loans.

Reserves

StrongQoQ -8
92
Sub-score

Reserves are strong: ALLL 2.76% of loans, coverage 161.9%, true coverage 146.6%.

ALLL / Loans
2.76%
Coverage
161.9%
True Loss Coverage
146.6%
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