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Bristol Morgan Bank

IDRSSD: 807348
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
73
/ 100
StableAs of 2024-Q1QoQ 0

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 #807348 2024-Q1 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 26.7% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 39.6% (regulatory soft-warning level 50%).
  3. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 109.1% (threshold 100%).

What changed this quarter

Compared to Q4 2023:
↓ 0 ptscomposite
  • Liquidity
    ↓ -19
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +17
  • Reserves
    ↓ -5

The five pillars

Liquidity

WatchQoQ -19
52
Sub-score

Liquidity is deteriorating: brokered 18.2%, loans/deposits 109.1%, cash 2.6% of assets.

Cash / Assets
2.59%
Loans / Deposits
109.09%
Brokered %
18.24%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 109.1% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.59% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.11%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 14.56%, CET1 14.56%, leverage 11.14%.

Tier 1 RBC
14.56%
CET1
14.56%
Leverage
11.14%
No watch items at this period.

Asset Quality

StableQoQ +17
79
Sub-score

Asset quality is stable: Adjusted NPL 2.78%, Texas Ratio 18.7%, NCO YTD 0.00%.

Adjusted NPL
2.78%
Govt-guarantees stripped
Texas Ratio
18.7%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.78% (govt-guarantees stripped).

Reserves

RiskQoQ -5
20
Sub-score

Reserves are weak: ALLL 1.09% of loans, coverage 39.6%, true coverage 26.7%.

ALLL / Loans
1.09%
Coverage
39.6%
True Loss Coverage
26.7%

Watch Items

  • watchALLL / NPL below 50% — Coverage 39.6% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 26.7% (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