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Baycoast Bank

IDRSSD: 771609
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q3

Per-quarter snapshot for 2023-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2023-Q3QoQ -4

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q3

Bank #771609 2023-Q3 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.06% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2023:
↓ -4 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    — —
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ 0
72
Sub-score

Liquidity is stable: brokered 7.5%, cash 2.1% of assets.

Cash / Assets
2.06%
Loans / Deposits
—
Brokered %
7.54%

Watch Items

  • infoCash / Assets below 3% — Cash 2.06% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.62%
No watch items at this period.

Capitalization

Watch
53
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.91%, leverage 7.90%.

Tier 1 RBC
9.91%
CET1
—
Leverage
7.90%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: NCO YTD 0.09%.

Adjusted NPL
—
Govt-guarantees stripped
Texas Ratio
—
NCO YTD
0.09%
30-89 PD
—
Band 0.3% / 3.0%
90+ PD
—
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Unknown
—
Sub-score

Insufficient data to compute a narrative for this pillar.

ALLL / Loans
—
Coverage
—
True Loss Coverage
—
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 19:31:11 UTC