Liquidity
StrongQoQ +3
86
Sub-score
Liquidity is strong: brokered 1.3%, loans/deposits 70.5%, cash 4.3% of assets.
- Cash / Assets
- 4.29%
- Loans / Deposits
- 70.46%
- Brokered %
- 1.27%
No watch items at this period.
Commercial Bank
IDRSSD: 1225752
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
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
84
/ 100
StrongAs of 2023-Q4QoQ +6
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 #1225752 2023-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).
Liquidity:Strong
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Strong
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q3 2023:
↑ +6 ptscomposite
- Liquidity↑ +3
- Securities— —
- Capitalization↑ +4
- Asset Quality↑ +10
- Reserves— —
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 0.0% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 0.00%
SVB watch metric
No watch items at this period.
Capitalization
WatchQoQ +4
55
Sub-score
Capital position is deteriorating: Tier 1 RBC 10.30%, CET1 10.30%, leverage 7.35%.
- Tier 1 RBC
- 10.30%
- CET1
- 10.30%
- Leverage
- 7.35%
No watch items at this period.
Asset Quality
StrongQoQ +10
97
Sub-score
Asset quality is strong: Adjusted NPL 0.49%, Texas Ratio 3.5%, NCO YTD -0.06%.
- Adjusted NPL
- 0.49%
- Texas Ratio
- 3.5%
- NCO YTD
- -0.06%
- 30-89 PD
- 0.14%
- 90+ PD
- 0.34%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
Strong
91
Sub-score
Reserves are strong: ALLL 1.22% of loans, coverage 254.2%, true coverage 144.5%.
- ALLL / Loans
- 1.22%
- Coverage
- 254.2%
- True Loss Coverage
- 144.5%
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.tsfor 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 04:27:37 UTC