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Barclays Bank Delaware

IDRSSD: 2980209
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2024-Q1QoQ 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-Q1

Bank #2980209 2024-Q1 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 5.83% of loans.
  2. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.80%.

What changed this quarter

Compared to Q4 2023:
↓ 0 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -3
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +4
72
Sub-score

Liquidity is stable: brokered 26.2%, loans/deposits 91.0%, cash 18.2% of assets.

Cash / Assets
18.20%
Loans / Deposits
90.97%
Brokered %
26.16%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.52%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.56%, CET1 13.68%, leverage 12.56%.

Tier 1 RBC
15.56%
CET1
13.68%
Leverage
12.56%
No watch items at this period.

Asset Quality

WatchQoQ -3
50
Sub-score

Asset quality is deteriorating: Adjusted NPL 1.91%, Texas Ratio 6.8%, NCO YTD 5.83%.

Adjusted NPL
1.91%
Govt-guarantees stripped
Texas Ratio
6.8%
NCO YTD
5.83%
30-89 PD
1.48%
Band 0.3% / 3.0%
90+ PD
1.80%
Band 0.1% / 2.0%

Watch Items

  • watch90+ days past due elevated — 90+ PD 1.80%.
  • riskNet charge-offs elevated — NCO YTD 5.83% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 8.52% of loans, coverage 487.2%, true coverage 349.8%.

ALLL / Loans
8.52%
Coverage
487.2%
True Loss Coverage
349.8%
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 03:42:36 UTC