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Coastal Community Bank

IDRSSD: 2562164
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
75
/ 100
StableAs of 2024-Q3QoQ -1

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 #2562164 2024-Q3 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 5.83% of loans.
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.39%.

What changed this quarter

Compared to Q2 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ 0
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -8
82
Sub-score

Liquidity is strong: brokered 11.6%, loans/deposits 89.6%, cash 11.9% of assets.

Cash / Assets
11.91%
Loans / Deposits
89.62%
Brokered %
11.58%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.20%
No watch items at this period.

Capitalization

WatchQoQ +2
59
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.36%, CET1 10.36%, leverage 9.29%.

Tier 1 RBC
10.36%
CET1
10.36%
Leverage
9.29%
No watch items at this period.

Asset Quality

WatchQoQ 0
53
Sub-score

Asset quality is deteriorating: Adjusted NPL 1.68%, Texas Ratio 10.1%, NCO YTD 5.83%.

Adjusted NPL
1.68%
Govt-guarantees stripped
Texas Ratio
10.1%
NCO YTD
5.83%
30-89 PD
1.71%
Band 0.3% / 3.0%
90+ PD
1.39%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.39%.
  • riskNet charge-offs elevated — NCO YTD 5.83% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 4.97% of loans, coverage 311.5%, true coverage 246.9%.

ALLL / Loans
4.97%
Coverage
311.5%
True Loss Coverage
246.9%
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: 2026-05-13 11:55:46 UTC