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Carter Bank And Trust

IDRSSD: 3476192
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
66
/ 100
StableAs of 2023-Q4QoQ -21

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

Quarterly Headline

2023-Q4

Bank #3476192 2023-Q4 Vital Signs Score: 66/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 9.08% (govt-guarantees stripped).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 31.4% (regulatory soft-warning level 50%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 31.4% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2023:
↓ -21 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -42
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -7
68
Sub-score

Liquidity is stable: brokered 1.9%, loans/deposits 91.6%, cash 1.2% of assets.

Cash / Assets
1.21%
Loans / Deposits
91.57%
Brokered %
1.88%

Watch Items

  • watchCash / Assets below 3% — Cash 1.21% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StableQoQ -3
73
Sub-score

Capital position is stable: Tier 1 RBC 10.99%, CET1 10.99%, leverage 9.44%.

Tier 1 RBC
10.99%
CET1
10.99%
Leverage
9.44%
No watch items at this period.

Asset Quality

WatchQoQ -42
58
Sub-score

Asset quality is deteriorating: Adjusted NPL 9.08%, Texas Ratio 58.6%, NCO YTD 0.04%.

Adjusted NPL
9.08%
Govt-guarantees stripped
Texas Ratio
58.6%
NCO YTD
0.04%
30-89 PD
0.18%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 9.08% (govt-guarantees stripped).
  • infoTexas Ratio above 50% — Texas Ratio 58.6% (industry watch band 50% / risk band 100%).

Reserves

Risk
34
Sub-score

Reserves are weak: ALLL 2.77% of loans, coverage 31.4%, true coverage 31.4%.

ALLL / Loans
2.77%
Coverage
31.4%
True Loss Coverage
31.4%

Watch Items

  • watchALLL / NPL below 50% — Coverage 31.4% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 31.4% (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 09:15:31 UTC