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Brazos National Bank

IDRSSD: 863362
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
80
/ 100
StrongAs of 2023-Q4QoQ -20

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 #863362 2023-Q4 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 162.7% (threshold 100%).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.46%.

What changed this quarter

Compared to Q3 2023:
↓ -20 ptscomposite
  • Liquidity
    ↓ -28
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -24
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -28
72
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 162.7%, cash 6.3% of assets.

Cash / Assets
6.31%
Loans / Deposits
162.67%
Brokered %
0.00%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 162.7% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 78.45%, CET1 78.45%, leverage 48.87%.

Tier 1 RBC
78.45%
CET1
78.45%
Leverage
48.87%
No watch items at this period.

Asset Quality

StableQoQ -24
76
Sub-score

Asset quality is stable: Adjusted NPL 1.46%, Texas Ratio 2.2%, NCO YTD 0.00%.

Adjusted NPL
1.46%
Govt-guarantees stripped
Texas Ratio
2.2%
NCO YTD
0.00%
30-89 PD
0.95%
Band 0.3% / 3.0%
90+ PD
1.46%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.46%.

Reserves

Watch
46
Sub-score

Reserves are deteriorating: ALLL 1.08% of loans, coverage 74.9%, true coverage 74.9%.

ALLL / Loans
1.08%
Coverage
74.9%
True Loss Coverage
74.9%
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 01:48:03 UTC