Bluestone Bank
Bank Health Dashboard
Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 7 alerts active.
Summary
RSSD 699105 held $1.6B in total assets as of 2026-03-31 (+3.1% quarter-over-quarter). Total loans stood at $1.2B (-0.2% QoQ) and total deposits at $1.3B (+4.1% QoQ).
Overall position is weak — the composite Health Score is 31/100 (Weak). Tier 1 / RWA stands at 12.75%, in the below median of peers. Asset quality (NPL ratio) sits in the below median of peers.
7 Quarterly Anomaly Alerts fired this quarter, including 5 critical-severity rows. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.
Headline KPIs
Quarterly Anomaly Alerts
Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).
- Critical· Cliff Drop AlertALLL Coverage of NPL dropped 53 percentile points vs prior quarterNow ranks at the 25th percentile of peers (was 78th).
- Critical· Cliff Drop AlertNet Charge-Offs / Avg Loans dropped 41 percentile points vs prior quarterNow ranks at the 10th percentile of peers (was 50th).
- Critical· Cliff Drop AlertNPA / Assets dropped 42 percentile points vs prior quarterNow ranks at the 39th percentile of peers (was 82th).
- Critical· Cliff Drop AlertNPL / Loans dropped 44 percentile points vs prior quarterNow ranks at the 36th percentile of peers (was 80th).
- Critical· Cliff Drop AlertTexas Ratio (regulatory) dropped 45 percentile points vs prior quarterNow ranks at the 36th percentile of peers (was 80th).
- Info· Peer Outlier AlertCET1 / RWA QoQ change is 2.9σ from peer-group averageMoved from 0.00% to 12.75%; peers averaged a -0.11% change.
- Info· Peer Outlier AlertTier 1 Leverage Ratio QoQ change is 2.9σ from peer-group averageMoved from 0.00% to 12.75%; peers averaged a -0.10% change.
Peer-Percentile Metric Grid
Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.
Capital
Liquidity
Asset Quality
Earnings
Funding
Securities
Methodology
- Health Score (0-100)
- Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
- Peer group
- Same asset-size bucket and charter type as the subject bank, computed nightly into
PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles. - Cliff Drop Alert
- Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
- Peer Outlier Alert
- Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
- Threshold Crossing Alert
- Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
- Source
- FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into
CallReport_FinancialsandCallReport_FdicData. Visbanking's metric coloring and alert thresholds.
Generated: 2026-05-14 19:27:28 UTC