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Capital Community Bank

IDRSSD: 2068107
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 -6

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 #2068107 2024-Q4 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 4.49% of loans.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.89% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↓ -6 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -14
  • Reserves
    ↓ -18

The five pillars

Liquidity

StrongQoQ 0
85
Sub-score

Liquidity is strong: brokered 6.9%, loans/deposits 91.5%, cash 12.2% of assets.

Cash / Assets
12.24%
Loans / Deposits
91.49%
Brokered %
6.89%
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
0.51%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.86%, CET1 16.86%, leverage 14.82%.

Tier 1 RBC
16.86%
CET1
16.86%
Leverage
14.82%
No watch items at this period.

Asset Quality

WatchQoQ -14
55
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.89%, Texas Ratio 13.2%, NCO YTD 4.49%.

Adjusted NPL
2.89%
Govt-guarantees stripped
Texas Ratio
13.2%
NCO YTD
4.49%
30-89 PD
1.52%
Band 0.3% / 3.0%
90+ PD
0.14%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.89% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 4.49% of loans.

Reserves

StrongQoQ -18
82
Sub-score

Reserves are strong: ALLL 3.29% of loans, coverage 117.9%, true coverage 111.2%.

ALLL / Loans
3.29%
Coverage
117.9%
True Loss Coverage
111.2%
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 11:34:56 UTC