Liquidity
StrongQoQ +1
95
Sub-score
Liquidity is strong: brokered 5.9%, loans/deposits 69.3%.
- Cash / Assets
- —
- Loans / Deposits
- 69.26%
- Brokered %
- 5.86%
No watch items at this period.
Bmo Bank National Association
IDRSSD: 75633
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2024-Q3
Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
82
/ 100
StrongAs of 2024-Q3QoQ -6
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2024-Q3
Bank #75633 2024-Q3 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Capitalization (stable).
Liquidity:Strong
Securities:Unknown
Capitalization:Stable
Asset Quality:Strong
Reserves:Strong
Top 3 Watch Items
- riskCET1 below 7%Capitalization — CET1 0.00% (threshold 7%).
What changed this quarter
Compared to Q2 2024:
↓ -6 ptscomposite
- Liquidity↑ +1
- Securities— —
- Capitalization↓ -16
- Asset Quality↓ -4
- Reserves↑ +1
The five pillars
Securities
Unknown
—
Sub-score
Insufficient data to compute a narrative for this pillar.
- MtM Loss / Tier 1
- —
- Securities / Assets
- —
SVB watch metric
No watch items at this period.
Capitalization
StableQoQ -16
65
Sub-score
Capital position is stable: Tier 1 RBC 13.19%, CET1 0.00%, leverage 9.33%.
- Tier 1 RBC
- 13.19%
- CET1
- 0.00%
- Leverage
- 9.33%
Watch Items
- riskCET1 below 7% — CET1 0.00% (threshold 7%).
Asset Quality
StrongQoQ -4
88
Sub-score
Asset quality is strong: Adjusted NPL 1.00%, Texas Ratio 5.3%, NCO YTD 0.96%.
- Adjusted NPL
- 1.00%
- Texas Ratio
- 5.3%
- NCO YTD
- 0.96%
- 30-89 PD
- 0.26%
- 90+ PD
- 0.02%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ +1
87
Sub-score
Reserves are strong: ALLL 1.45% of loans, coverage 146.9%, true coverage 108.0%.
- ALLL / Loans
- 1.45%
- Coverage
- 146.9%
- True Loss Coverage
- 108.0%
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.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: 2026-05-15 02:44:04 UTC