Colonial Savings Fa

Summary

Headline KPIs

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

• ×

  Critical· Peer Outlier Alert

  Cash / Assets QoQ change is -17.0σ from peer-group average

  Moved from 80.01% to 31.12%; peers averaged a 0.33% change.
• ×

  Critical· Peer Outlier Alert

  CET1 / RWA QoQ change is -5.6σ from peer-group average

  Moved from 189.47% to 174.41%; peers averaged a -0.19% change.
• ×

  Critical· Cliff Drop Alert

  Efficiency Ratio dropped 100 percentile points vs prior quarter

  Now ranks at the 0th percentile of peers (was 100th).
• ×

  Critical· Peer Outlier Alert

  Efficiency Ratio QoQ change is 246.4σ from peer-group average

  Moved from -2756.18% to 209.02%; peers averaged a -0.23% change.
• ×

  Critical· Peer Outlier Alert

  Loans / Deposits QoQ change is 4.7σ from peer-group average

  Moved from 21.28% to 39.35%; peers averaged a -0.51% change.
• ×

  Critical· Peer Outlier Alert

  Tier 1 Leverage Ratio QoQ change is -5.6σ from peer-group average

  Moved from 189.47% to 174.41%; peers averaged a -0.19% change.
• ×

  Critical· Peer Outlier Alert

  Tier 1 / RWA QoQ change is -7.6σ from peer-group average

  Moved from 189.47% to 174.41%; peers averaged a -0.04% change.
• ×

  Critical· Peer Outlier Alert

  Total RBC / RWA QoQ change is -7.6σ from peer-group average

  Moved from 190.37% to 175.40%; peers averaged a -0.04% change.
• !

  Warning· Cliff Drop Alert

  ALLL Coverage of NPL dropped 32 percentile points vs prior quarter

  Now ranks at the 67th percentile of peers (was 98th).
• !

  Warning· Cliff Drop Alert

  Net Interest Margin dropped 28 percentile points vs prior quarter

  Now ranks at the 20th percentile of peers (was 48th).
• !

  Warning· Cliff Drop Alert

  NPL / Loans dropped 34 percentile points vs prior quarter

  Now ranks at the 54th percentile of peers (was 88th).
• i

  Info· Peer Outlier Alert

  HTM Securities / Assets QoQ change is 69.1σ from peer-group average

  Moved from 0.00% to 42.19%; peers averaged a -0.07% change.
• i

  Info· Peer Outlier Alert

  Securities / Assets QoQ change is 32.7σ from peer-group average

  Moved from 0.98% to 43.42%; peers averaged a -0.33% change.

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Methodology

Health Score (0-100)

Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.

Peer group

Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.

Cliff Drop Alert

Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.

Peer Outlier Alert

Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.

Threshold Crossing Alert

Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.

Source

FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-14 04:22:28 UTC