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Commodore Bank

IDRSSD: 548829
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
68
/ 100
StableAs of 2023-Q4QoQ -10

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 #548829 2023-Q4 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / NPL below 50%
    Reserves — Coverage 29.1% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 29.1% (Adjusted NPL + Performing Mods denominator).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.61% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↓ -10 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↑ +13
  • Asset Quality
    ↓ -14
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +4
85
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 62.8%, cash 3.2% of assets.

Cash / Assets
3.16%
Loans / Deposits
62.83%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.28%
No watch items at this period.

Capitalization

StableQoQ +13
67
Sub-score

Capital position is stable: Tier 1 RBC 11.92%, CET1 11.92%, leverage 6.71%.

Tier 1 RBC
11.92%
CET1
11.92%
Leverage
6.71%
No watch items at this period.

Asset Quality

StableQoQ -14
73
Sub-score

Asset quality is stable: Adjusted NPL 2.61%, Texas Ratio 20.8%, NCO YTD 0.01%.

Adjusted NPL
2.61%
Govt-guarantees stripped
Texas Ratio
20.8%
NCO YTD
0.01%
30-89 PD
0.72%
Band 0.3% / 3.0%
90+ PD
0.55%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.61% (govt-guarantees stripped).

Reserves

Risk
8
Sub-score

Reserves are weak: ALLL 0.75% of loans, coverage 29.1%, true coverage 29.1%.

ALLL / Loans
0.75%
Coverage
29.1%
True Loss Coverage
29.1%

Watch Items

  • watchALLL / NPL below 50% — Coverage 29.1% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 29.1% (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: 2026-05-15 07:45:32 UTC