Visbanking Logo
Skip to main content

Btg Pactual Bank National Association

IDRSSD: 2916534
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
89
/ 100
StrongAs of 2024-Q1QoQ -4

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 #2916534 2024-Q1 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.38% of loans.

What changed this quarter

Compared to Q4 2023:
↓ -4 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -14
  • Reserves
    ↓ -8

The five pillars

Liquidity

StableQoQ +4
80
Sub-score

Liquidity is stable: brokered 14.9%, loans/deposits 89.8%, cash 9.8% of assets.

Cash / Assets
9.80%
Loans / Deposits
89.76%
Brokered %
14.90%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.46%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 18.79%, CET1 18.79%, leverage 11.04%.

Tier 1 RBC
18.79%
CET1
18.79%
Leverage
11.04%
No watch items at this period.

Asset Quality

StrongQoQ -14
83
Sub-score

Asset quality is strong: Adjusted NPL 0.15%, Texas Ratio 0.9%, NCO YTD 2.38%.

Adjusted NPL
0.15%
Govt-guarantees stripped
Texas Ratio
0.9%
NCO YTD
2.38%
30-89 PD
0.13%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 2.38% of loans.

Reserves

StrongQoQ -8
84
Sub-score

Reserves are strong: ALLL 1.03% of loans, coverage 683.4%, true coverage 186.9%.

ALLL / Loans
1.03%
Coverage
683.4%
True Loss Coverage
186.9%
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 13:42:12 UTC