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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
64
/ 100
StableAs of 2024-Q4QoQ -8

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 #2471239 2024-Q4 Vital Signs Score: 64/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 17.8% (Adjusted NPL + Performing Mods denominator).
  2. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 6.08% (govt-guarantees stripped).
  3. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 4.14% of loans.

What changed this quarter

Compared to Q3 2024:
↓ -8 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ -22
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -5
87
Sub-score

Liquidity is strong: brokered 13.5%, loans/deposits 76.3%, cash 9.6% of assets.

Cash / Assets
9.56%
Loans / Deposits
76.30%
Brokered %
13.45%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.48%
No watch items at this period.

Capitalization

StableQoQ -5
77
Sub-score

Capital position is stable: Tier 1 RBC 11.78%, CET1 11.78%, leverage 11.02%.

Tier 1 RBC
11.78%
CET1
11.78%
Leverage
11.02%
No watch items at this period.

Asset Quality

RiskQoQ -22
29
Sub-score

Asset quality is weak: Adjusted NPL 6.08%, Texas Ratio 34.4%, NCO YTD 4.14%.

Adjusted NPL
6.08%
Govt-guarantees stripped
Texas Ratio
34.4%
NCO YTD
4.14%
30-89 PD
2.97%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 6.08% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 4.14% of loans.

Reserves

Risk
33
Sub-score

Reserves are weak: ALLL 1.57% of loans, coverage 26.2%, true coverage 17.8%.

ALLL / Loans
1.57%
Coverage
26.2%
True Loss Coverage
17.8%

Watch Items

  • watchALLL / NPL below 50% — Coverage 26.2% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 17.8% (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