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Bankers Trust Company

IDRSSD: 811046
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
81
/ 100
StrongAs of 2024-Q3QoQ +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-Q3

Bank #811046 2024-Q3 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 103.4% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.64% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ +6
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ +2
64
Sub-score

Liquidity is stable: brokered 5.0%, loans/deposits 103.4%, cash 2.6% of assets.

Cash / Assets
2.64%
Loans / Deposits
103.36%
Brokered %
4.98%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.4% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.64% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.24%
No watch items at this period.

Capitalization

WatchQoQ -2
58
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.13%, CET1 10.04%, leverage 10.09%.

Tier 1 RBC
10.13%
CET1
10.04%
Leverage
10.09%
No watch items at this period.

Asset Quality

StrongQoQ +6
100
Sub-score

Asset quality is strong: Adjusted NPL 0.12%, Texas Ratio 0.9%, NCO YTD 0.01%.

Adjusted NPL
0.12%
Govt-guarantees stripped
Texas Ratio
0.9%
NCO YTD
0.01%
30-89 PD
0.21%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ 0
91
Sub-score

Reserves are strong: ALLL 1.23% of loans, coverage 1017.3%, true coverage 932.1%.

ALLL / Loans
1.23%
Coverage
1017.3%
True Loss Coverage
932.1%
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: 2026-05-14 23:46:51 UTC