Visbanking Logo
Skip to main content

Colonial Savings Fa

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

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2024-Q1QoQ +4

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

Quarterly Headline

2024-Q1

Bank #339072 2024-Q1 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 12.2% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 18.9% (regulatory soft-warning level 50%).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 6.31% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2023:
↑ +4 ptscomposite
  • Liquidity
    ↑ +14
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ +14
63
Sub-score

Liquidity is stable: brokered 12.9%, loans/deposits 110.9%, cash 6.2% of assets.

Cash / Assets
6.19%
Loans / Deposits
110.91%
Brokered %
12.89%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 110.9% (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 +3
93
Sub-score

Capital position is strong: Tier 1 RBC 16.33%, CET1 16.33%, leverage 8.77%.

Tier 1 RBC
16.33%
CET1
16.33%
Leverage
8.77%
No watch items at this period.

Asset Quality

WatchQoQ +2
58
Sub-score

Asset quality is deteriorating: Adjusted NPL 6.31%, Texas Ratio 44.9%, NCO YTD 0.00%.

Adjusted NPL
6.31%
Govt-guarantees stripped
Texas Ratio
44.9%
NCO YTD
0.00%
30-89 PD
0.64%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 6.31% (govt-guarantees stripped).

Reserves

RiskQoQ -1
23
Sub-score

Reserves are weak: ALLL 1.18% of loans, coverage 18.9%, true coverage 12.2%.

ALLL / Loans
1.18%
Coverage
18.9%
True Loss Coverage
12.2%

Watch Items

  • riskALLL / NPL below 50% — Coverage 18.9% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 12.2% (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