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Central Bank

IDRSSD: 3488579
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
74
/ 100
StableAs of 2023-Q4QoQ -6

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 #3488579 2023-Q4 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.34% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↓ -6 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    ↓ -9
  • Asset Quality
    ↓ -9
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -7
50
Sub-score

Liquidity is deteriorating: brokered 27.7%, loans/deposits 93.6%, cash 1.3% of assets.

Cash / Assets
1.34%
Loans / Deposits
93.61%
Brokered %
27.68%

Watch Items

  • watchCash / Assets below 3% — Cash 1.34% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.28%
No watch items at this period.

Capitalization

WatchQoQ -9
55
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.19%, CET1 9.19%, leverage 9.37%.

Tier 1 RBC
9.19%
CET1
9.19%
Leverage
9.37%
No watch items at this period.

Asset Quality

StrongQoQ -9
91
Sub-score

Asset quality is strong: Adjusted NPL 1.31%, Texas Ratio 11.3%, NCO YTD 0.00%.

Adjusted NPL
1.31%
Govt-guarantees stripped
Texas Ratio
11.3%
NCO YTD
0.00%
30-89 PD
0.58%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
80
Sub-score

Reserves are strong: ALLL 1.50% of loans, coverage 116.1%, true coverage 97.7%.

ALLL / Loans
1.50%
Coverage
116.1%
True Loss Coverage
97.7%
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: 2026-05-12 19:37:30 UTC