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Cattlemens Bank

IDRSSD: 284556
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2024-Q2QoQ -5

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

Quarterly Headline

2024-Q2

Bank #284556 2024-Q2 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 116.2% (threshold 100%).

What changed this quarter

Compared to Q1 2024:
↓ -5 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -10
  • Asset Quality
    ↓ -9
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ -1
67
Sub-score

Liquidity is stable: brokered 9.2%, loans/deposits 116.2%, cash 6.9% of assets.

Cash / Assets
6.88%
Loans / Deposits
116.18%
Brokered %
9.23%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 116.2% (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
0.24%
No watch items at this period.

Capitalization

WatchQoQ -10
59
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.56%, CET1 10.56%, leverage 9.12%.

Tier 1 RBC
10.56%
CET1
10.56%
Leverage
9.12%
No watch items at this period.

Asset Quality

StrongQoQ -9
83
Sub-score

Asset quality is strong: Adjusted NPL 1.12%, Texas Ratio 10.2%, NCO YTD 0.00%.

Adjusted NPL
1.12%
Govt-guarantees stripped
Texas Ratio
10.2%
NCO YTD
0.00%
30-89 PD
1.52%
Band 0.3% / 3.0%
90+ PD
0.52%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -2
34
Sub-score

Reserves are weak: ALLL 0.79% of loans, coverage 71.4%, true coverage 71.4%.

ALLL / Loans
0.79%
Coverage
71.4%
True Loss Coverage
71.4%
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