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Bankers Bank Of The West

IDRSSD: 732758
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
83
/ 100
StrongAs of 2024-Q4QoQ -5

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 #732758 2024-Q4 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 106.2% (threshold 100%).
  2. info
    Brokered deposits above 30%
    Liquidity — Brokered 33.8% of deposits (threshold 30%).
  3. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.15%.

What changed this quarter

Compared to Q3 2024:
↓ -5 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -16
  • Reserves
    ↓ -19

The five pillars

Liquidity

StableQoQ +9
62
Sub-score

Liquidity is stable: brokered 33.8%, loans/deposits 106.2%, cash 12.0% of assets.

Cash / Assets
12.01%
Loans / Deposits
106.18%
Brokered %
33.82%

Watch Items

  • infoBrokered deposits above 30% — Brokered 33.8% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 106.2% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.25%
No watch items at this period.

Capitalization

StrongQoQ -1
94
Sub-score

Capital position is strong: Tier 1 RBC 13.56%, CET1 13.56%, leverage 13.75%.

Tier 1 RBC
13.56%
CET1
13.56%
Leverage
13.75%
No watch items at this period.

Asset Quality

StrongQoQ -16
81
Sub-score

Asset quality is strong: Adjusted NPL 1.64%, Texas Ratio 8.3%, NCO YTD 0.00%.

Adjusted NPL
1.64%
Govt-guarantees stripped
Texas Ratio
8.3%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
1.15%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.15%.

Reserves

StrongQoQ -19
81
Sub-score

Reserves are strong: ALLL 1.81% of loans, coverage 112.7%, true coverage 112.7%.

ALLL / Loans
1.81%
Coverage
112.7%
True Loss Coverage
112.7%
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: 2026-05-13 01:33:20 UTC