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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 — 2024-Q4

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

Synthesis

Vital Signs Score
55
/ 100
WatchAs of 2024-Q4QoQ -1

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 #934271 2024-Q4 Vital Signs Score: 55/100 — 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 8.6% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 9.8% (regulatory soft-warning level 50%).
  3. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 2.59%.

What changed this quarter

Compared to Q3 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -5
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +1
77
Sub-score

Liquidity is stable: brokered 8.3%, loans/deposits 40.1%, cash 2.4% of assets.

Cash / Assets
2.35%
Loans / Deposits
40.15%
Brokered %
8.29%

Watch Items

  • infoCash / Assets below 3% — Cash 2.35% of assets (threshold 3%).

Securities

Risk
0
Sub-score

Securities profile is weak: securities 55.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
55.22%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 37.45%, CET1 37.45%, leverage 12.03%.

Tier 1 RBC
37.45%
CET1
37.45%
Leverage
12.03%
No watch items at this period.

Asset Quality

WatchQoQ -5
56
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.98%, Texas Ratio 5.4%, NCO YTD -0.04%.

Adjusted NPL
2.98%
Govt-guarantees stripped
Texas Ratio
5.4%
NCO YTD
-0.04%
30-89 PD
1.27%
Band 0.3% / 3.0%
90+ PD
2.59%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.98% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 2.59%.

Reserves

Risk
0
Sub-score

Reserves are weak: ALLL 0.29% of loans, coverage 9.8%, true coverage 8.6%.

ALLL / Loans
0.29%
Coverage
9.8%
True Loss Coverage
8.6%

Watch Items

  • riskALLL / NPL below 50% — Coverage 9.8% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 8.6% (Adjusted NPL + Performing Mods denominator).
  • riskALLL / Loans below 0.75% — ALLL 0.29% 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