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Century Bank

IDRSSD: 83375
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
72
/ 100
StableAs of 2024-Q3QoQ -4

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 #83375 2024-Q3 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.58% of loans.
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 37.4% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.29% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↓ -4 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -9

The five pillars

Liquidity

StrongQoQ 0
100
Sub-score

Liquidity is strong: brokered 0.6%, loans/deposits 62.0%, cash 12.2% of assets.

Cash / Assets
12.20%
Loans / Deposits
61.96%
Brokered %
0.57%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 10.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.74%
No watch items at this period.

Capitalization

StableQoQ +2
78
Sub-score

Capital position is stable: Tier 1 RBC 12.18%, CET1 12.18%, leverage 9.10%.

Tier 1 RBC
12.18%
CET1
12.18%
Leverage
9.10%
No watch items at this period.

Asset Quality

WatchQoQ -12
48
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.29%, Texas Ratio 18.6%, NCO YTD 2.58%.

Adjusted NPL
3.29%
Govt-guarantees stripped
Texas Ratio
18.6%
NCO YTD
2.58%
30-89 PD
1.99%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.29% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 2.58% of loans.

Reserves

RiskQoQ -9
37
Sub-score

Reserves are weak: ALLL 1.50% of loans, coverage 46.1%, true coverage 37.4%.

ALLL / Loans
1.50%
Coverage
46.1%
True Loss Coverage
37.4%

Watch Items

  • infoALLL / NPL below 50% — Coverage 46.1% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 37.4% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-13 06:22:43 UTC