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Cfg Bank

IDRSSD: 2471239
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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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
67
/ 100
StableAs of 2024-Q2QoQ -13

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 #2471239 2024-Q2 Vital Signs Score: 67/100 — 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
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 22.3% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 38.1% (regulatory soft-warning level 50%).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.38% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2024:
↓ -13 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -15
  • Asset Quality
    ↓ -25
  • Reserves
    ↓ -22

The five pillars

Liquidity

StrongQoQ +1
91
Sub-score

Liquidity is strong: brokered 4.3%, loans/deposits 78.0%, cash 9.0% of assets.

Cash / Assets
9.03%
Loans / Deposits
78.00%
Brokered %
4.33%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.37%
No watch items at this period.

Capitalization

StableQoQ -15
75
Sub-score

Capital position is stable: Tier 1 RBC 11.55%, CET1 11.55%, leverage 11.23%.

Tier 1 RBC
11.55%
CET1
11.55%
Leverage
11.23%
No watch items at this period.

Asset Quality

WatchQoQ -25
41
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.38%, Texas Ratio 24.2%, NCO YTD 1.09%.

Adjusted NPL
4.38%
Govt-guarantees stripped
Texas Ratio
24.2%
NCO YTD
1.09%
30-89 PD
3.59%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.38% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.09% of loans.

Reserves

RiskQoQ -22
33
Sub-score

Reserves are weak: ALLL 1.64% of loans, coverage 38.1%, true coverage 22.3%.

ALLL / Loans
1.64%
Coverage
38.1%
True Loss Coverage
22.3%

Watch Items

  • watchALLL / NPL below 50% — Coverage 38.1% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 22.3% (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 11:50:59 UTC