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Cenlar Fsb

IDRSSD: 934271
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
52
/ 100
WatchAs of 2023-Q4QoQ -20

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

Quarterly Headline

2023-Q4

Bank #934271 2023-Q4 Vital Signs Score: 52/100 — overall watch. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 6.7% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 8.5% (regulatory soft-warning level 50%).
  3. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.26% of loans.

What changed this quarter

Compared to Q3 2023:
↓ -20 ptscomposite
  • Liquidity
    ↑ +11
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -46
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +11
67
Sub-score

Liquidity is stable: brokered 23.7%, loans/deposits 42.9%, cash 2.1% of assets.

Cash / Assets
2.13%
Loans / Deposits
42.93%
Brokered %
23.70%

Watch Items

  • infoCash / Assets below 3% — Cash 2.13% of assets (threshold 3%).

Securities

Risk
0
Sub-score

Securities profile is weak: securities 54.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
54.49%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 29.03%, CET1 29.03%, leverage 10.05%.

Tier 1 RBC
29.03%
CET1
29.03%
Leverage
10.05%
No watch items at this period.

Asset Quality

WatchQoQ -46
54
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.08%, Texas Ratio 8.2%, NCO YTD 0.00%.

Adjusted NPL
3.08%
Govt-guarantees stripped
Texas Ratio
8.2%
NCO YTD
0.00%
30-89 PD
1.55%
Band 0.3% / 3.0%
90+ PD
2.50%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.08% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.50%.

Reserves

Risk
0
Sub-score

Reserves are weak: ALLL 0.26% of loans, coverage 8.5%, true coverage 6.7%.

ALLL / Loans
0.26%
Coverage
8.5%
True Loss Coverage
6.7%

Watch Items

  • riskALLL / NPL below 50% — Coverage 8.5% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 6.7% (Adjusted NPL + Performing Mods denominator).
  • riskALLL / Loans below 0.75% — ALLL 0.26% of loans.

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: 2026-05-13 09:43:40 UTC