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Colonial Savings Fa

IDRSSD: 339072
Total Assets
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Latest filing
Total Deposits
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Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
65
/ 100
StableAs of 2023-Q4QoQ -24

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #339072 2023-Q4 Vital Signs Score: 65/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 12.5% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 20.3% (regulatory soft-warning level 50%).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 6.03% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↓ -24 ptscomposite
  • Liquidity
    ↓ -32
  • Securities
    — —
  • Capitalization
    ↑ +12
  • Asset Quality
    ↓ -43
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -32
49
Sub-score

Liquidity is deteriorating: brokered 23.3%, loans/deposits 114.7%, cash 3.2% of assets.

Cash / Assets
3.21%
Loans / Deposits
114.67%
Brokered %
23.26%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 114.7% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ +12
91
Sub-score

Capital position is strong: Tier 1 RBC 15.03%, CET1 15.03%, leverage 8.29%.

Tier 1 RBC
15.03%
CET1
15.03%
Leverage
8.29%
No watch items at this period.

Asset Quality

WatchQoQ -43
57
Sub-score

Asset quality is deteriorating: Adjusted NPL 6.03%, Texas Ratio 45.8%, NCO YTD 0.00%.

Adjusted NPL
6.03%
Govt-guarantees stripped
Texas Ratio
45.8%
NCO YTD
0.00%
30-89 PD
0.86%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 6.03% (govt-guarantees stripped).

Reserves

Risk
24
Sub-score

Reserves are weak: ALLL 1.21% of loans, coverage 20.3%, true coverage 12.5%.

ALLL / Loans
1.21%
Coverage
20.3%
True Loss Coverage
12.5%

Watch Items

  • riskALLL / NPL below 50% — Coverage 20.3% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 12.5% (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: 2026-05-14 04:22:06 UTC