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Boonville Federal Savings Bank

IDRSSD: 991078
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2023-Q4QoQ -23

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #991078 2023-Q4 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 105.2% (threshold 100%).
  2. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.55%.

What changed this quarter

Compared to Q3 2023:
↓ -23 ptscomposite
  • Liquidity
    ↓ -18
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -39
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -18
82
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 105.2%, cash 17.1% of assets.

Cash / Assets
17.08%
Loans / Deposits
105.24%
Brokered %
0.01%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 105.2% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 12.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
12.19%
No watch items at this period.

Capitalization

StrongQoQ +3
90
Sub-score

Capital position is strong: Tier 1 RBC 15.65%, CET1 15.65%, leverage 8.23%.

Tier 1 RBC
15.65%
CET1
15.65%
Leverage
8.23%
No watch items at this period.

Asset Quality

StableQoQ -39
61
Sub-score

Asset quality is stable: Adjusted NPL 1.55%, Texas Ratio 11.5%, NCO YTD 0.06%.

Adjusted NPL
1.55%
Govt-guarantees stripped
Texas Ratio
11.5%
NCO YTD
0.06%
30-89 PD
4.66%
Band 0.3% / 3.0%
90+ PD
1.55%
Band 0.1% / 2.0%

Watch Items

  • watch90+ days past due elevated — 90+ PD 1.55%.

Reserves

Risk
26
Sub-score

Reserves are weak: ALLL 0.86% of loans, coverage 55.8%, true coverage 55.7%.

ALLL / Loans
0.86%
Coverage
55.8%
True Loss Coverage
55.7%
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 08:39:52 UTC