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Cattlemens Bank

IDRSSD: 284556
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
74
/ 100
StableAs of 2024-Q1QoQ +2

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 #284556 2024-Q1 Vital Signs Score: 74/100 — 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 115.0% (threshold 100%).

What changed this quarter

Compared to Q4 2023:
↑ +2 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +8
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -3

The five pillars

Liquidity

StableQoQ +3
68
Sub-score

Liquidity is stable: brokered 7.5%, loans/deposits 115.0%, cash 6.7% of assets.

Cash / Assets
6.69%
Loans / Deposits
115.02%
Brokered %
7.53%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 115.0% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.25%
No watch items at this period.

Capitalization

StableQoQ +8
69
Sub-score

Capital position is stable: Tier 1 RBC 10.72%, CET1 10.72%, leverage 9.21%.

Tier 1 RBC
10.72%
CET1
10.72%
Leverage
9.21%
No watch items at this period.

Asset Quality

StrongQoQ -2
92
Sub-score

Asset quality is strong: Adjusted NPL 1.05%, Texas Ratio 9.5%, NCO YTD 0.03%.

Adjusted NPL
1.05%
Govt-guarantees stripped
Texas Ratio
9.5%
NCO YTD
0.03%
30-89 PD
0.09%
Band 0.3% / 3.0%
90+ PD
0.45%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -3
36
Sub-score

Reserves are weak: ALLL 0.78% of loans, coverage 75.1%, true coverage 75.1%.

ALLL / Loans
0.78%
Coverage
75.1%
True Loss Coverage
75.1%
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