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Battle Bank National Association

IDRSSD: 208459
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
92
/ 100
StrongAs of 2024-Q4QoQ -2

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 #208459 2024-Q4 Vital Signs Score: 92/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 110.5% (threshold 100%).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.96% of loans.

What changed this quarter

Compared to Q3 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -10
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ 0
80
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 110.5%, cash 11.5% of assets.

Cash / Assets
11.45%
Loans / Deposits
110.47%
Brokered %
0.00%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 110.5% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 33.67%, CET1 33.67%, leverage 27.72%.

Tier 1 RBC
33.67%
CET1
33.67%
Leverage
27.72%
No watch items at this period.

Asset Quality

StrongQoQ -10
83
Sub-score

Asset quality is strong: Adjusted NPL 0.38%, Texas Ratio 1.0%, NCO YTD 1.96%.

Adjusted NPL
0.38%
Govt-guarantees stripped
Texas Ratio
1.0%
NCO YTD
1.96%
30-89 PD
0.41%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.96% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 1.68% of loans, coverage 449.2%, true coverage 394.9%.

ALLL / Loans
1.68%
Coverage
449.2%
True Loss Coverage
394.9%
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 23:17:18 UTC