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Clare Bank National Association

IDRSSD: 988144
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
82
/ 100
StrongAs of 2024-Q4QoQ +15

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 #988144 2024-Q4 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.88% of assets (threshold 3%).
  2. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.47% of loans.

What changed this quarter

Compared to Q3 2024:
↑ +15 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    ↑ +5
  • Capitalization
    ↑ +50
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +7

The five pillars

Liquidity

StrongQoQ 0
82
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 56.1%, cash 1.9% of assets.

Cash / Assets
1.88%
Loans / Deposits
56.10%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.88% of assets (threshold 3%).

Securities

StrongQoQ +5
98
Sub-score

Securities profile is strong: securities 20.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
20.75%
No watch items at this period.

Capitalization

StrongQoQ +50
100
Sub-score

Capital position is strong: Tier 1 RBC 26.03%, CET1 26.03%, leverage 11.53%.

Tier 1 RBC
26.03%
CET1
26.03%
Leverage
11.53%
No watch items at this period.

Asset Quality

StrongQoQ +3
88
Sub-score

Asset quality is strong: Adjusted NPL 0.62%, Texas Ratio 2.5%, NCO YTD 0.00%.

Adjusted NPL
0.62%
Govt-guarantees stripped
Texas Ratio
2.5%
NCO YTD
0.00%
30-89 PD
2.06%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +7
25
Sub-score

Reserves are weak: ALLL 0.47% of loans, coverage 75.3%, true coverage 71.2%.

ALLL / Loans
0.47%
Coverage
75.3%
True Loss Coverage
71.2%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.47% of loans.

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 01:01:19 UTC