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Bristol Morgan Bank

IDRSSD: 807348
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
73
/ 100
StableAs of 2023-Q4QoQ +11

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 #807348 2023-Q4 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 5.85% of loans.
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 30.0% (Adjusted NPL + Performing Mods denominator).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 44.4% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2023:
↑ +11 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +62
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +5
71
Sub-score

Liquidity is stable: brokered 16.6%, loans/deposits 96.4%, cash 7.7% of assets.

Cash / Assets
7.69%
Loans / Deposits
96.39%
Brokered %
16.62%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.88%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 14.35%, CET1 14.35%, leverage 10.76%.

Tier 1 RBC
14.35%
CET1
14.35%
Leverage
10.76%
No watch items at this period.

Asset Quality

StableQoQ +62
62
Sub-score

Asset quality is stable: Adjusted NPL 2.81%, Texas Ratio 18.6%, NCO YTD 5.85%.

Adjusted NPL
2.81%
Govt-guarantees stripped
Texas Ratio
18.6%
NCO YTD
5.85%
30-89 PD
0.06%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.81% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 5.85% of loans.

Reserves

Risk
24
Sub-score

Reserves are weak: ALLL 1.23% of loans, coverage 44.4%, true coverage 30.0%.

ALLL / Loans
1.23%
Coverage
44.4%
True Loss Coverage
30.0%

Watch Items

  • infoALLL / NPL below 50% — Coverage 44.4% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 30.0% (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: 2026-05-14 23:44:59 UTC