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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2024-Q4QoQ +14

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

Quarterly Headline

2024-Q4

Bank #863362 2024-Q4 Vital Signs Score: 82/100 — 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 176.5% (threshold 100%).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.34%.

What changed this quarter

Compared to Q3 2024:
↑ +14 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +32
  • Reserves
    ↑ +43

The five pillars

Liquidity

Strong
80
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 176.5%, cash 15.3% of assets.

Cash / Assets
15.35%
Loans / Deposits
176.52%
Brokered %
0.00%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 176.5% (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 85.75%, CET1 85.75%, leverage 47.26%.

Tier 1 RBC
85.75%
CET1
85.75%
Leverage
47.26%
No watch items at this period.

Asset Quality

StableQoQ +32
65
Sub-score

Asset quality is stable: Adjusted NPL 1.34%, Texas Ratio 1.8%, NCO YTD 0.00%.

Adjusted NPL
1.34%
Govt-guarantees stripped
Texas Ratio
1.8%
NCO YTD
0.00%
30-89 PD
3.07%
Band 0.3% / 3.0%
90+ PD
1.34%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.34%.

Reserves

StableQoQ +43
65
Sub-score

Reserves are stable: ALLL 1.24% of loans, coverage 93.4%, true coverage 93.4%.

ALLL / Loans
1.24%
Coverage
93.4%
True Loss Coverage
93.4%
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