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Commercial Bank

IDRSSD: 358112
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
81
/ 100
StrongAs of 2023-Q4QoQ -5

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 #358112 2023-Q4 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 41.8% (Adjusted NPL + Performing Mods denominator).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 47.5% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2023:
↓ -5 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +18
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +4
86
Sub-score

Liquidity is strong: brokered 3.0%, loans/deposits 73.4%, cash 5.4% of assets.

Cash / Assets
5.39%
Loans / Deposits
73.45%
Brokered %
2.98%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 10.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.27%
No watch items at this period.

Capitalization

StrongQoQ +1
100
Sub-score

Capital position is strong: Tier 1 RBC 16.58%, CET1 16.58%, leverage 9.93%.

Tier 1 RBC
16.58%
CET1
16.58%
Leverage
9.93%
No watch items at this period.

Asset Quality

StrongQoQ +18
83
Sub-score

Asset quality is strong: Adjusted NPL 1.84%, Texas Ratio 10.7%, NCO YTD 0.11%.

Adjusted NPL
1.84%
Govt-guarantees stripped
Texas Ratio
10.7%
NCO YTD
0.11%
30-89 PD
1.06%
Band 0.3% / 3.0%
90+ PD
0.10%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Risk
18
Sub-score

Reserves are weak: ALLL 0.87% of loans, coverage 47.5%, true coverage 41.8%.

ALLL / Loans
0.87%
Coverage
47.5%
True Loss Coverage
41.8%

Watch Items

  • infoALLL / NPL below 50% — Coverage 47.5% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 41.8% (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 23:08:37 UTC