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IDRSSD: 851631
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2023-Q4QoQ -1

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

Quarterly Headline

2023-Q4

Bank #851631 2023-Q4 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2023:
↓ -1 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↑ 0
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -5
80
Sub-score

Liquidity is stable: brokered 8.0%, loans/deposits 65.3%, cash 3.2% of assets.

Cash / Assets
3.19%
Loans / Deposits
65.27%
Brokered %
8.02%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 16.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
16.08%
No watch items at this period.

Capitalization

StableQoQ +5
77
Sub-score

Capital position is stable: Tier 1 RBC 12.21%, CET1 12.21%, leverage 8.14%.

Tier 1 RBC
12.21%
CET1
12.21%
Leverage
8.14%
No watch items at this period.

Asset Quality

StrongQoQ 0
92
Sub-score

Asset quality is strong: Adjusted NPL 0.96%, Texas Ratio 6.7%, NCO YTD 0.39%.

Adjusted NPL
0.96%
Govt-guarantees stripped
Texas Ratio
6.7%
NCO YTD
0.39%
30-89 PD
0.55%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
79
Sub-score

Reserves are stable: ALLL 1.29% of loans, coverage 136.2%, true coverage 136.2%.

ALLL / Loans
1.29%
Coverage
136.2%
True Loss Coverage
136.2%
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 08:54:50 UTC