Visbanking Logo
Skip to main content

Banterra Bank

IDRSSD: 502849
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
79
/ 100
StableAs of 2024-Q2QoQ -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-Q2

Bank #502849 2024-Q2 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.31% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↓ -4 ptscomposite
  • Liquidity
    ↓ -10
  • Securities
    — —
  • Capitalization
    ↓ -10
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ -10
65
Sub-score

Liquidity is stable: brokered 11.3%, loans/deposits 86.3%, cash 1.3% of assets.

Cash / Assets
1.31%
Loans / Deposits
86.30%
Brokered %
11.29%

Watch Items

  • watchCash / Assets below 3% — Cash 1.31% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.31%
No watch items at this period.

Capitalization

WatchQoQ -10
57
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.16%, CET1 10.16%, leverage 9.37%.

Tier 1 RBC
10.16%
CET1
10.16%
Leverage
9.37%
No watch items at this period.

Asset Quality

StrongQoQ 0
99
Sub-score

Asset quality is strong: Adjusted NPL 0.35%, Texas Ratio 2.7%, NCO YTD 0.27%.

Adjusted NPL
0.35%
Govt-guarantees stripped
Texas Ratio
2.7%
NCO YTD
0.27%
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

StableQoQ +2
80
Sub-score

Reserves are stable: ALLL 0.89% of loans, coverage 254.2%, true coverage 250.3%.

ALLL / Loans
0.89%
Coverage
254.2%
True Loss Coverage
250.3%
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: 2026-05-12 19:35:35 UTC