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Central Bank

IDRSSD: 3488579
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
78
/ 100
StableAs of 2024-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

2024-Q4

Bank #3488579 2024-Q4 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. info
    Brokered deposits above 30%
    Liquidity — Brokered 31.0% of deposits (threshold 30%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.00% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↑ +6 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↑ +29
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ +2

The five pillars

Liquidity

WatchQoQ -3
48
Sub-score

Liquidity is deteriorating: brokered 31.0%, loans/deposits 98.4%, cash 2.0% of assets.

Cash / Assets
2.00%
Loans / Deposits
98.37%
Brokered %
31.05%

Watch Items

  • infoBrokered deposits above 30% — Brokered 31.0% of deposits (threshold 30%).
  • infoCash / Assets below 3% — Cash 2.00% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.60%
No watch items at this period.

Capitalization

StableQoQ +29
70
Sub-score

Capital position is stable: Tier 1 RBC 11.13%, CET1 11.13%, leverage 10.57%.

Tier 1 RBC
11.13%
CET1
11.13%
Leverage
10.57%
No watch items at this period.

Asset Quality

StrongQoQ -3
91
Sub-score

Asset quality is strong: Adjusted NPL 1.00%, Texas Ratio 7.2%, NCO YTD 0.30%.

Adjusted NPL
1.00%
Govt-guarantees stripped
Texas Ratio
7.2%
NCO YTD
0.30%
30-89 PD
0.70%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +2
84
Sub-score

Reserves are strong: ALLL 1.40% of loans, coverage 142.1%, true coverage 120.4%.

ALLL / Loans
1.40%
Coverage
142.1%
True Loss Coverage
120.4%
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