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Cattlemens Bank

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

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2024-Q4QoQ +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-Q4

Bank #284556 2024-Q4 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 112.8% (threshold 100%).
  2. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.51%.

What changed this quarter

Compared to Q3 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ +3

The five pillars

Liquidity

StableQoQ +9
69
Sub-score

Liquidity is stable: brokered 7.3%, loans/deposits 112.8%, cash 7.0% of assets.

Cash / Assets
7.04%
Loans / Deposits
112.80%
Brokered %
7.31%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 112.8% (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
0.23%
No watch items at this period.

Capitalization

StableQoQ +1
66
Sub-score

Capital position is stable: Tier 1 RBC 11.00%, CET1 11.00%, leverage 9.55%.

Tier 1 RBC
11.00%
CET1
11.00%
Leverage
9.55%
No watch items at this period.

Asset Quality

StableQoQ -2
75
Sub-score

Asset quality is stable: Adjusted NPL 1.65%, Texas Ratio 14.2%, NCO YTD 0.01%.

Adjusted NPL
1.65%
Govt-guarantees stripped
Texas Ratio
14.2%
NCO YTD
0.01%
30-89 PD
0.67%
Band 0.3% / 3.0%
90+ PD
1.51%
Band 0.1% / 2.0%

Watch Items

  • watch90+ days past due elevated — 90+ PD 1.51%.

Reserves

RiskQoQ +3
24
Sub-score

Reserves are weak: ALLL 0.87% of loans, coverage 53.1%, true coverage 53.1%.

ALLL / Loans
0.87%
Coverage
53.1%
True Loss Coverage
53.1%
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