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Bankers Bank

IDRSSD: 408642
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2024-Q2QoQ 0

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

Quarterly Headline

2024-Q2

Bank #408642 2024-Q2 Vital Signs Score: 78/100 — 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 143.8% (threshold 100%).
  2. info
    Brokered deposits above 30%
    Liquidity — Brokered 31.2% of deposits (threshold 30%).
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.62% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↓ 0 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↑ +8
  • Reserves
    ↓ -1

The five pillars

Liquidity

WatchQoQ -5
44
Sub-score

Liquidity is deteriorating: brokered 31.2%, loans/deposits 143.8%, cash 2.6% of assets.

Cash / Assets
2.62%
Loans / Deposits
143.76%
Brokered %
31.19%

Watch Items

  • infoBrokered deposits above 30% — Brokered 31.2% of deposits (threshold 30%).
  • riskLoans / Deposits above 100% — Loans/Deposits 143.8% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.62% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.16%
No watch items at this period.

Capitalization

StrongQoQ -5
86
Sub-score

Capital position is strong: Tier 1 RBC 12.72%, CET1 12.72%, leverage 11.67%.

Tier 1 RBC
12.72%
CET1
12.72%
Leverage
11.67%
No watch items at this period.

Asset Quality

StrongQoQ +8
95
Sub-score

Asset quality is strong: Adjusted NPL 1.02%, Texas Ratio 6.2%, NCO YTD 0.03%.

Adjusted NPL
1.02%
Govt-guarantees stripped
Texas Ratio
6.2%
NCO YTD
0.03%
30-89 PD
0.13%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -1
63
Sub-score

Reserves are stable: ALLL 1.04% of loans, coverage 103.0%, true coverage 103.0%.

ALLL / Loans
1.04%
Coverage
103.0%
True Loss Coverage
103.0%
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