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Cattlemens Bank

IDRSSD: 284556
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
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
73
/ 100
StableAs of 2023-Q4QoQ -12

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 #284556 2023-Q4 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 115.7% (threshold 100%).

What changed this quarter

Compared to Q3 2023:
↓ -12 ptscomposite
  • Liquidity
    ↓ -20
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -6
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -20
65
Sub-score

Liquidity is stable: brokered 7.8%, loans/deposits 115.7%, cash 5.5% of assets.

Cash / Assets
5.52%
Loans / Deposits
115.66%
Brokered %
7.78%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 115.7% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.26%
No watch items at this period.

Capitalization

StableQoQ +1
61
Sub-score

Capital position is stable: Tier 1 RBC 10.19%, CET1 10.19%, leverage 8.69%.

Tier 1 RBC
10.19%
CET1
10.19%
Leverage
8.69%
No watch items at this period.

Asset Quality

StrongQoQ -6
94
Sub-score

Asset quality is strong: Adjusted NPL 0.98%, Texas Ratio 9.3%, NCO YTD 0.00%.

Adjusted NPL
0.98%
Govt-guarantees stripped
Texas Ratio
9.3%
NCO YTD
0.00%
30-89 PD
0.31%
Band 0.3% / 3.0%
90+ PD
0.30%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Risk
39
Sub-score

Reserves are weak: ALLL 0.77% of loans, coverage 79.8%, true coverage 79.8%.

ALLL / Loans
0.77%
Coverage
79.8%
True Loss Coverage
79.8%
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 13:23:23 UTC