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Cattlemens Bank

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

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
65
/ 100
StableAs of 2024-Q3QoQ -4

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

Quarterly Headline

2024-Q3

Bank #284556 2024-Q3 Vital Signs Score: 65/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 112.2% (threshold 100%).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.07%.

What changed this quarter

Compared to Q2 2024:
↓ -4 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -13

The five pillars

Liquidity

WatchQoQ -8
59
Sub-score

Liquidity is deteriorating: brokered 22.7%, loans/deposits 112.2%, cash 7.5% of assets.

Cash / Assets
7.48%
Loans / Deposits
112.21%
Brokered %
22.68%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 112.2% (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

StableQoQ +5
64
Sub-score

Capital position is stable: Tier 1 RBC 10.93%, CET1 10.93%, leverage 9.43%.

Tier 1 RBC
10.93%
CET1
10.93%
Leverage
9.43%
No watch items at this period.

Asset Quality

StableQoQ -7
76
Sub-score

Asset quality is stable: Adjusted NPL 1.68%, Texas Ratio 14.7%, NCO YTD 0.02%.

Adjusted NPL
1.68%
Govt-guarantees stripped
Texas Ratio
14.7%
NCO YTD
0.02%
30-89 PD
0.97%
Band 0.3% / 3.0%
90+ PD
1.07%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.07%.

Reserves

RiskQoQ -13
21
Sub-score

Reserves are weak: ALLL 0.84% of loans, coverage 50.3%, true coverage 50.3%.

ALLL / Loans
0.84%
Coverage
50.3%
True Loss Coverage
50.3%
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