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Cbi Bank And Trust

IDRSSD: 830542
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
89
/ 100
StrongAs of 2024-Q3QoQ +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-Q3

Bank #830542 2024-Q3 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (strong).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.45% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↑ +2 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↑ +7
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ 0

The five pillars

Liquidity

StrongQoQ -3
81
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 75.1%, cash 2.5% of assets.

Cash / Assets
2.45%
Loans / Deposits
75.12%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.45% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.57%
No watch items at this period.

Capitalization

StrongQoQ +7
80
Sub-score

Capital position is strong: Tier 1 RBC 12.46%, CET1 12.46%, leverage 9.20%.

Tier 1 RBC
12.46%
CET1
12.46%
Leverage
9.20%
No watch items at this period.

Asset Quality

StrongQoQ +2
100
Sub-score

Asset quality is strong: Adjusted NPL 0.40%, Texas Ratio 2.6%, NCO YTD 0.05%.

Adjusted NPL
0.40%
Govt-guarantees stripped
Texas Ratio
2.6%
NCO YTD
0.05%
30-89 PD
0.11%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ 0
87
Sub-score

Reserves are strong: ALLL 1.11% of loans, coverage 283.0%, true coverage 193.9%.

ALLL / Loans
1.11%
Coverage
283.0%
True Loss Coverage
193.9%
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: 2026-05-15 01:05:44 UTC