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Bmw Bank Of North America

IDRSSD: 2850722
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
83
/ 100
StrongAs of 2024-Q1QoQ +3

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 #2850722 2024-Q1 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 77.9% of deposits (threshold 30%).
  2. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 120.5% (threshold 100%).
  3. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.41% of loans.

What changed this quarter

Compared to Q4 2023:
↑ +3 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +20

The five pillars

Liquidity

WatchQoQ 0
49
Sub-score

Liquidity is deteriorating: brokered 77.9%, loans/deposits 120.5%, cash 5.0% of assets.

Cash / Assets
4.96%
Loans / Deposits
120.54%
Brokered %
77.86%

Watch Items

  • riskBrokered deposits above 30% — Brokered 77.9% of deposits (threshold 30%).
  • riskLoans / Deposits above 100% — Loans/Deposits 120.5% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 16.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
16.16%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.78%, CET1 16.78%, leverage 15.86%.

Tier 1 RBC
16.78%
CET1
16.78%
Leverage
15.86%
No watch items at this period.

Asset Quality

StrongQoQ -1
95
Sub-score

Asset quality is strong: Adjusted NPL 0.15%, Texas Ratio 0.7%, NCO YTD 0.29%.

Adjusted NPL
0.15%
Govt-guarantees stripped
Texas Ratio
0.7%
NCO YTD
0.29%
30-89 PD
0.87%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +20
67
Sub-score

Reserves are stable: ALLL 0.41% of loans, coverage 276.4%, true coverage 276.4%.

ALLL / Loans
0.41%
Coverage
276.4%
True Loss Coverage
276.4%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.41% of loans.

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 13:41:28 UTC