Visbanking Logo
Skip to main content

Brazos National Bank

IDRSSD: 863362
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
85
/ 100
StrongAs of 2024-Q1QoQ +5

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 #863362 2024-Q1 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 174.1% (threshold 100%).

What changed this quarter

Compared to Q4 2023:
↑ +5 ptscomposite
  • Liquidity
    ↑ +8
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +24

The five pillars

Liquidity

StrongQoQ +8
80
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 174.1%, cash 12.5% of assets.

Cash / Assets
12.53%
Loans / Deposits
174.10%
Brokered %
0.00%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 174.1% (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 78.08%, CET1 78.08%, leverage 47.52%.

Tier 1 RBC
78.08%
CET1
78.08%
Leverage
47.52%
No watch items at this period.

Asset Quality

StableQoQ -1
75
Sub-score

Asset quality is stable: Adjusted NPL 0.77%, Texas Ratio 1.2%, NCO YTD 0.00%.

Adjusted NPL
0.77%
Govt-guarantees stripped
Texas Ratio
1.2%
NCO YTD
0.00%
30-89 PD
5.62%
Band 0.3% / 3.0%
90+ PD
0.77%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +24
70
Sub-score

Reserves are stable: ALLL 1.04% of loans, coverage 136.1%, true coverage 136.1%.

ALLL / Loans
1.04%
Coverage
136.1%
True Loss Coverage
136.1%
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