Visbanking Logo
Skip to main content

Bankvista

IDRSSD: 2849285
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
72
/ 100
StableAs of 2024-Q4QoQ -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-Q4

Bank #2849285 2024-Q4 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 105.7% (threshold 100%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 41.4% (Adjusted NPL + Performing Mods denominator).
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.95% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↓ -4 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -10

The five pillars

Liquidity

StableQoQ -8
64
Sub-score

Liquidity is stable: brokered 3.4%, loans/deposits 105.7%, cash 3.0% of assets.

Cash / Assets
2.95%
Loans / Deposits
105.71%
Brokered %
3.42%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 105.7% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.95% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.05%
No watch items at this period.

Capitalization

StableQoQ 0
69
Sub-score

Capital position is stable: Tier 1 RBC 11.11%, CET1 11.11%, leverage 9.72%.

Tier 1 RBC
11.11%
CET1
11.11%
Leverage
9.72%
No watch items at this period.

Asset Quality

StrongQoQ -4
81
Sub-score

Asset quality is strong: Adjusted NPL 1.77%, Texas Ratio 14.5%, NCO YTD 0.42%.

Adjusted NPL
1.77%
Govt-guarantees stripped
Texas Ratio
14.5%
NCO YTD
0.42%
30-89 PD
0.75%
Band 0.3% / 3.0%
90+ PD
0.25%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -10
45
Sub-score

Reserves are deteriorating: ALLL 1.45% of loans, coverage 83.2%, true coverage 41.4%.

ALLL / Loans
1.45%
Coverage
83.2%
True Loss Coverage
41.4%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 41.4% (Adjusted NPL + Performing Mods denominator).

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 13:56:49 UTC