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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-Q4

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

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2024-Q4QoQ +23

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 #807348 2024-Q4 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 105.3% (threshold 100%).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.26% of loans.

What changed this quarter

Compared to Q3 2024:
↑ +23 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +38
  • Asset Quality
    ↑ +14
  • Reserves
    ↑ +69

The five pillars

Liquidity

WatchQoQ -2
55
Sub-score

Liquidity is deteriorating: brokered 17.7%, loans/deposits 105.3%, cash 3.2% of assets.

Cash / Assets
3.19%
Loans / Deposits
105.29%
Brokered %
17.74%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 105.3% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.00%
No watch items at this period.

Capitalization

StrongQoQ +38
88
Sub-score

Capital position is strong: Tier 1 RBC 12.92%, CET1 12.92%, leverage 10.72%.

Tier 1 RBC
12.92%
CET1
12.92%
Leverage
10.72%
No watch items at this period.

Asset Quality

StrongQoQ +14
90
Sub-score

Asset quality is strong: Adjusted NPL 0.46%, Texas Ratio 3.3%, NCO YTD 1.26%.

Adjusted NPL
0.46%
Govt-guarantees stripped
Texas Ratio
3.3%
NCO YTD
1.26%
30-89 PD
0.03%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.26% of loans.

Reserves

StrongQoQ +69
81
Sub-score

Reserves are strong: ALLL 0.92% of loans, coverage 201.1%, true coverage 201.1%.

ALLL / Loans
0.92%
Coverage
201.1%
True Loss Coverage
201.1%
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: 2026-05-14 23:44:59 UTC