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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 — 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 +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-Q1

Bank #991078 2024-Q1 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.75% of loans.

What changed this quarter

Compared to Q4 2023:
↑ +6 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +9
  • Reserves
    ↑ +21

The five pillars

Liquidity

StrongQoQ +3
86
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 98.7%, cash 18.7% of assets.

Cash / Assets
18.67%
Loans / Deposits
98.65%
Brokered %
0.01%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 12.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
12.74%
No watch items at this period.

Capitalization

StrongQoQ -1
90
Sub-score

Capital position is strong: Tier 1 RBC 14.99%, CET1 14.99%, leverage 8.14%.

Tier 1 RBC
14.99%
CET1
14.99%
Leverage
8.14%
No watch items at this period.

Asset Quality

StableQoQ +9
70
Sub-score

Asset quality is stable: Adjusted NPL 0.82%, Texas Ratio 6.3%, NCO YTD 0.54%.

Adjusted NPL
0.82%
Govt-guarantees stripped
Texas Ratio
6.3%
NCO YTD
0.54%
30-89 PD
3.13%
Band 0.3% / 3.0%
90+ PD
0.82%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +21
47
Sub-score

Reserves are deteriorating: ALLL 0.75% of loans, coverage 91.3%, true coverage 91.3%.

ALLL / Loans
0.75%
Coverage
91.3%
True Loss Coverage
91.3%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.75% 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 08:39:52 UTC