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Concorde Bank

IDRSSD: 273653
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2024-Q2QoQ +11

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

Quarterly Headline

2024-Q2

Bank #273653 2024-Q2 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 2.08%.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.09% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2024:
↑ +11 ptscomposite
  • Liquidity
    ↓ -10
  • Securities
    — —
  • Capitalization
    ↑ +92
  • Asset Quality
    ↓ -45
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -10
90
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 89.4%, cash 12.3% of assets.

Cash / Assets
12.27%
Loans / Deposits
89.36%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.32%
No watch items at this period.

Capitalization

StrongQoQ +92
92
Sub-score

Capital position is strong: Tier 1 RBC 13.29%, CET1 13.29%, leverage 10.46%.

Tier 1 RBC
13.29%
CET1
13.29%
Leverage
10.46%
No watch items at this period.

Asset Quality

WatchQoQ -45
55
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.09%, Texas Ratio 13.7%, NCO YTD 0.00%.

Adjusted NPL
2.09%
Govt-guarantees stripped
Texas Ratio
13.7%
NCO YTD
0.00%
30-89 PD
2.52%
Band 0.3% / 3.0%
90+ PD
2.08%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.09% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.08%.

Reserves

Stable
74
Sub-score

Reserves are stable: ALLL 2.20% of loans, coverage 107.6%, true coverage 89.5%.

ALLL / Loans
2.20%
Coverage
107.6%
True Loss Coverage
89.5%
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.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 00:42:13 UTC