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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-Q4

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

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2024-Q4QoQ +5

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 #2562164 2024-Q4 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 6.45% of loans.
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.29%.

What changed this quarter

Compared to Q3 2024:
↑ +5 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +20
  • Asset Quality
    ↑ 0
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -1
81
Sub-score

Liquidity is strong: brokered 12.2%, loans/deposits 91.7%, cash 11.0% of assets.

Cash / Assets
10.99%
Loans / Deposits
91.66%
Brokered %
12.23%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.15%
No watch items at this period.

Capitalization

StableQoQ +20
80
Sub-score

Capital position is stable: Tier 1 RBC 11.99%, CET1 11.99%, leverage 10.64%.

Tier 1 RBC
11.99%
CET1
11.99%
Leverage
10.64%
No watch items at this period.

Asset Quality

WatchQoQ 0
54
Sub-score

Asset quality is deteriorating: Adjusted NPL 1.88%, Texas Ratio 10.2%, NCO YTD 6.45%.

Adjusted NPL
1.88%
Govt-guarantees stripped
Texas Ratio
10.2%
NCO YTD
6.45%
30-89 PD
1.50%
Band 0.3% / 3.0%
90+ PD
1.29%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.29%.
  • riskNet charge-offs elevated — NCO YTD 6.45% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 5.05% of loans, coverage 282.5%, true coverage 226.6%.

ALLL / Loans
5.05%
Coverage
282.5%
True Loss Coverage
226.6%
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