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Central Bank

IDRSSD: 3488579
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2024-Q2QoQ -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-Q2

Bank #3488579 2024-Q2 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    Brokered deposits above 30%
    Liquidity — Brokered 31.3% of deposits (threshold 30%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.03% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ -7
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -6

The five pillars

Liquidity

WatchQoQ -4
48
Sub-score

Liquidity is deteriorating: brokered 31.3%, loans/deposits 99.3%, cash 2.0% of assets.

Cash / Assets
2.03%
Loans / Deposits
99.28%
Brokered %
31.34%

Watch Items

  • infoBrokered deposits above 30% — Brokered 31.3% of deposits (threshold 30%).
  • infoCash / Assets below 3% — Cash 2.03% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.81%
No watch items at this period.

Capitalization

WatchQoQ -7
43
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.18%, CET1 9.18%, leverage 8.40%.

Tier 1 RBC
9.18%
CET1
9.18%
Leverage
8.40%
No watch items at this period.

Asset Quality

StrongQoQ 0
93
Sub-score

Asset quality is strong: Adjusted NPL 1.24%, Texas Ratio 11.1%, NCO YTD -0.02%.

Adjusted NPL
1.24%
Govt-guarantees stripped
Texas Ratio
11.1%
NCO YTD
-0.02%
30-89 PD
0.10%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -6
78
Sub-score

Reserves are stable: ALLL 1.41% of loans, coverage 115.5%, true coverage 98.8%.

ALLL / Loans
1.41%
Coverage
115.5%
True Loss Coverage
98.8%
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: 2026-05-12 19:37:30 UTC