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Brazos National Bank

IDRSSD: 863362
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
68
/ 100
StableAs of 2024-Q3QoQ -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-Q3

Bank #863362 2024-Q3 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 175.8% (threshold 100%).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 21.9% (regulatory soft-warning level 50%).
  3. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 21.9% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2024:
↓ -3 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -5

The five pillars

Liquidity

Strong
80
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 175.8%, cash 16.7% of assets.

Cash / Assets
16.70%
Loans / Deposits
175.80%
Brokered %
0.00%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 175.8% (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 81.76%, CET1 81.76%, leverage 45.08%.

Tier 1 RBC
81.76%
CET1
81.76%
Leverage
45.08%
No watch items at this period.

Asset Quality

RiskQoQ -8
33
Sub-score

Asset quality is weak: Adjusted NPL 5.34%, Texas Ratio 7.4%, NCO YTD 0.00%.

Adjusted NPL
5.34%
Govt-guarantees stripped
Texas Ratio
7.4%
NCO YTD
0.00%
30-89 PD
4.60%
Band 0.3% / 3.0%
90+ PD
5.34%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.34% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 5.34%.

Reserves

RiskQoQ -5
22
Sub-score

Reserves are weak: ALLL 1.16% of loans, coverage 21.9%, true coverage 21.9%.

ALLL / Loans
1.16%
Coverage
21.9%
True Loss Coverage
21.9%

Watch Items

  • riskALLL / NPL below 50% — Coverage 21.9% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 21.9% (Adjusted NPL + Performing Mods denominator).

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