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Centennial Bank

IDRSSD: 456045
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
92
/ 100
StrongAs of 2024-Q4QoQ -3

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 #456045 2024-Q4 Vital Signs Score: 92/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.44% of loans.

What changed this quarter

Compared to Q3 2024:
↓ -3 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -12
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ 0
79
Sub-score

Liquidity is stable: brokered 2.5%, loans/deposits 81.9%, cash 4.0% of assets.

Cash / Assets
4.04%
Loans / Deposits
81.87%
Brokered %
2.53%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.70%
No watch items at this period.

Capitalization

StrongQoQ +1
98
Sub-score

Capital position is strong: Tier 1 RBC 14.17%, CET1 14.17%, leverage 11.46%.

Tier 1 RBC
14.17%
CET1
14.17%
Leverage
11.46%
No watch items at this period.

Asset Quality

StrongQoQ -12
86
Sub-score

Asset quality is strong: Adjusted NPL 0.68%, Texas Ratio 3.4%, NCO YTD 1.44%.

Adjusted NPL
0.68%
Govt-guarantees stripped
Texas Ratio
3.4%
NCO YTD
1.44%
30-89 PD
0.42%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.44% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 1.87% of loans, coverage 279.0%, true coverage 134.7%.

ALLL / Loans
1.87%
Coverage
279.0%
True Loss Coverage
134.7%
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 09:10:32 UTC