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IDRSSD: 129732
Total Assets
—
Latest filing
Total Deposits
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Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2024-Q3QoQ -1

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

Quarterly Headline

2024-Q3

Bank #129732 2024-Q3 Vital Signs Score: 86/100 — 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

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q2 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -5

The five pillars

Liquidity

StableQoQ -5
72
Sub-score

Liquidity is stable: brokered 9.7%, loans/deposits 90.3%, cash 4.8% of assets.

Cash / Assets
4.81%
Loans / Deposits
90.27%
Brokered %
9.68%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.46%
No watch items at this period.

Capitalization

StrongQoQ +5
86
Sub-score

Capital position is strong: Tier 1 RBC 12.69%, CET1 12.69%, leverage 11.17%.

Tier 1 RBC
12.69%
CET1
12.69%
Leverage
11.17%
No watch items at this period.

Asset Quality

StrongQoQ -1
91
Sub-score

Asset quality is strong: Adjusted NPL 1.04%, Texas Ratio 6.1%, NCO YTD 0.49%.

Adjusted NPL
1.04%
Govt-guarantees stripped
Texas Ratio
6.1%
NCO YTD
0.49%
30-89 PD
0.39%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -5
80
Sub-score

Reserves are strong: ALLL 1.43% of loans, coverage 140.2%, true coverage 91.6%.

ALLL / Loans
1.43%
Coverage
140.2%
True Loss Coverage
91.6%
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: 2026-05-12 21:46:18 UTC