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Bankers Bank

IDRSSD: 408642
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
79
/ 100
StableAs of 2024-Q1QoQ -4

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 #408642 2024-Q1 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 119.9% (threshold 100%).

What changed this quarter

Compared to Q4 2023:
↓ -4 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -9
  • Reserves
    ↓ -23

The five pillars

Liquidity

WatchQoQ +3
49
Sub-score

Liquidity is deteriorating: brokered 26.2%, loans/deposits 119.9%, cash 3.8% of assets.

Cash / Assets
3.79%
Loans / Deposits
119.91%
Brokered %
26.19%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 119.9% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.67%
No watch items at this period.

Capitalization

StrongQoQ +3
91
Sub-score

Capital position is strong: Tier 1 RBC 12.57%, CET1 12.57%, leverage 11.02%.

Tier 1 RBC
12.57%
CET1
12.57%
Leverage
11.02%
No watch items at this period.

Asset Quality

StrongQoQ -9
87
Sub-score

Asset quality is strong: Adjusted NPL 1.09%, Texas Ratio 6.5%, NCO YTD 0.01%.

Adjusted NPL
1.09%
Govt-guarantees stripped
Texas Ratio
6.5%
NCO YTD
0.01%
30-89 PD
0.01%
Band 0.3% / 3.0%
90+ PD
0.96%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -23
64
Sub-score

Reserves are stable: ALLL 1.08% of loans, coverage 100.5%, true coverage 100.5%.

ALLL / Loans
1.08%
Coverage
100.5%
True Loss Coverage
100.5%
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 01:40:50 UTC