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Colonial Savings Fa

IDRSSD: 339072
Total Assets
—
Latest filing
Total Deposits
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Latest filing
Net Interest Margin
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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
74
/ 100
StableAs of 2024-Q4QoQ -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-Q4

Bank #339072 2024-Q4 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 12.7% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 22.2% (regulatory soft-warning level 50%).
  3. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 124.1% (threshold 100%).

What changed this quarter

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

The five pillars

Liquidity

StableQoQ -5
73
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 124.1%, cash 6.7% of assets.

Cash / Assets
6.72%
Loans / Deposits
124.08%
Brokered %
0.00%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 124.1% (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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 20.73%, CET1 20.73%, leverage 11.34%.

Tier 1 RBC
20.73%
CET1
20.73%
Leverage
11.34%
No watch items at this period.

Asset Quality

StableQoQ 0
63
Sub-score

Asset quality is stable: Adjusted NPL 5.20%, Texas Ratio 29.3%, NCO YTD 0.00%.

Adjusted NPL
5.20%
Govt-guarantees stripped
Texas Ratio
29.3%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.20% (govt-guarantees stripped).

Reserves

RiskQoQ 0
21
Sub-score

Reserves are weak: ALLL 1.14% of loans, coverage 22.2%, true coverage 12.7%.

ALLL / Loans
1.14%
Coverage
22.2%
True Loss Coverage
12.7%

Watch Items

  • riskALLL / NPL below 50% — Coverage 22.2% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 12.7% (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