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Central Bank And Trust Co

IDRSSD: 1007015
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
90
/ 100
StrongAs of 2024-Q3QoQ +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-Q3

Bank #1007015 2024-Q3 Vital Signs Score: 90/100 — 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
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.7% (threshold 100%).

What changed this quarter

Compared to Q2 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    — —
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ +3
67
Sub-score

Liquidity is stable: brokered 3.6%, loans/deposits 100.7%, cash 3.3% of assets.

Cash / Assets
3.30%
Loans / Deposits
100.73%
Brokered %
3.59%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.7% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.17%
No watch items at this period.

Capitalization

StrongQoQ +2
93
Sub-score

Capital position is strong: Tier 1 RBC 13.44%, CET1 13.44%, leverage 11.78%.

Tier 1 RBC
13.44%
CET1
13.44%
Leverage
11.78%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.24%, Texas Ratio 1.5%, NCO YTD 0.06%.

Adjusted NPL
0.24%
Govt-guarantees stripped
Texas Ratio
1.5%
NCO YTD
0.06%
30-89 PD
0.15%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -1
87
Sub-score

Reserves are strong: ALLL 1.11% of loans, coverage 475.8%, true coverage 401.8%.

ALLL / Loans
1.11%
Coverage
475.8%
True Loss Coverage
401.8%
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 01:29:04 UTC