Visbanking Logo
Skip to main content

Bhm Bank

IDRSSD: 2877484
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
79
/ 100
StableAs of 2024-Q1QoQ +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-Q1

Bank #2877484 2024-Q1 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.89% of loans.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.68% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2023:
↑ +2 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -8
  • Reserves
    ↑ +25

The five pillars

Liquidity

StrongQoQ 0
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 64.4%, cash 37.1% of assets.

Cash / Assets
37.07%
Loans / Deposits
64.35%
Brokered %
0.00%
No watch items at this period.

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 22.79%, CET1 22.79%, leverage 15.56%.

Tier 1 RBC
22.79%
CET1
22.79%
Leverage
15.56%
No watch items at this period.

Asset Quality

WatchQoQ -8
48
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.68%, Texas Ratio 8.7%, NCO YTD 2.89%.

Adjusted NPL
2.68%
Govt-guarantees stripped
Texas Ratio
8.7%
NCO YTD
2.89%
30-89 PD
5.12%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.68% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 2.89% of loans.

Reserves

WatchQoQ +25
48
Sub-score

Reserves are deteriorating: ALLL 1.51% of loans, coverage 57.0%, true coverage 57.0%.

ALLL / Loans
1.51%
Coverage
57.0%
True Loss Coverage
57.0%
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 13:50:32 UTC