Liquidity
StableQoQ -2
80
Sub-score
Liquidity is stable: brokered 8.1%, loans/deposits 66.4%, cash 3.2% of assets.
- Cash / Assets
- 3.20%
- Loans / Deposits
- 66.36%
- Brokered %
- 8.06%
No watch items at this period.
Better Banks
IDRSSD: 851631
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2024-Q2
Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
87
/ 100
StrongAs of 2024-Q2QoQ +1
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2024-Q2
Bank #851631 2024-Q2 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).
Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Strong
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q1 2024:
↑ +1 ptscomposite
- Liquidity↓ -2
- Securities— —
- Capitalization↑ 0
- Asset Quality↓ -5
- Reserves↑ +15
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 15.2% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 15.21%
SVB watch metric
No watch items at this period.
Capitalization
StableQoQ 0
80
Sub-score
Capital position is stable: Tier 1 RBC 12.67%, CET1 12.67%, leverage 8.41%.
- Tier 1 RBC
- 12.67%
- CET1
- 12.67%
- Leverage
- 8.41%
No watch items at this period.
Asset Quality
StrongQoQ -5
89
Sub-score
Asset quality is strong: Adjusted NPL 0.58%, Texas Ratio 3.9%, NCO YTD 0.27%.
- Adjusted NPL
- 0.58%
- Texas Ratio
- 3.9%
- NCO YTD
- 0.27%
- 30-89 PD
- 1.59%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ +15
93
Sub-score
Reserves are strong: ALLL 1.29% of loans, coverage 224.2%, true coverage 224.2%.
- ALLL / Loans
- 1.29%
- Coverage
- 224.2%
- True Loss Coverage
- 224.2%
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.tsfor 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