Visbanking Logo
Skip to main content

Bankers Bank

IDRSSD: 408642
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
80
/ 100
StableAs of 2024-Q4QoQ -1

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 #408642 2024-Q4 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 116.4% (threshold 100%).

What changed this quarter

Compared to Q3 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -9

The five pillars

Liquidity

WatchQoQ +6
54
Sub-score

Liquidity is deteriorating: brokered 24.1%, loans/deposits 116.4%, cash 5.3% of assets.

Cash / Assets
5.31%
Loans / Deposits
116.41%
Brokered %
24.12%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 116.4% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.26%
No watch items at this period.

Capitalization

StrongQoQ +2
94
Sub-score

Capital position is strong: Tier 1 RBC 13.63%, CET1 13.63%, leverage 11.75%.

Tier 1 RBC
13.63%
CET1
13.63%
Leverage
11.75%
No watch items at this period.

Asset Quality

StrongQoQ -3
92
Sub-score

Asset quality is strong: Adjusted NPL 1.23%, Texas Ratio 7.2%, NCO YTD 0.07%.

Adjusted NPL
1.23%
Govt-guarantees stripped
Texas Ratio
7.2%
NCO YTD
0.07%
30-89 PD
0.57%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -9
52
Sub-score

Reserves are deteriorating: ALLL 1.04% of loans, coverage 85.3%, true coverage 85.3%.

ALLL / Loans
1.04%
Coverage
85.3%
True Loss Coverage
85.3%
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: 2026-05-13 01:40:50 UTC