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Bayvanguard Bank

IDRSSD: 242976
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
86
/ 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 #242976 2024-Q1 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.9% (threshold 100%).

What changed this quarter

Compared to Q4 2023:
↓ 0 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -4

The five pillars

Liquidity

StrongQoQ 0
81
Sub-score

Liquidity is strong: brokered 1.5%, loans/deposits 101.9%, cash 8.9% of assets.

Cash / Assets
8.93%
Loans / Deposits
101.91%
Brokered %
1.46%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.9% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.75%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 23.94%, CET1 23.94%, leverage 18.92%.

Tier 1 RBC
23.94%
CET1
23.94%
Leverage
18.92%
No watch items at this period.

Asset Quality

StrongQoQ +1
89
Sub-score

Asset quality is strong: Adjusted NPL 1.53%, Texas Ratio 6.1%, NCO YTD -0.05%.

Adjusted NPL
1.53%
Govt-guarantees stripped
Texas Ratio
6.1%
NCO YTD
-0.05%
30-89 PD
0.63%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -4
50
Sub-score

Reserves are deteriorating: ALLL 1.20% of loans, coverage 79.4%, true coverage 71.6%.

ALLL / Loans
1.20%
Coverage
79.4%
True Loss Coverage
71.6%
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: 2026-05-13 10:25:23 UTC