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Connectone Bank

IDRSSD: 3317932
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2024-Q1QoQ -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-Q1

Bank #3317932 2024-Q1 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 107.8% (threshold 100%).
  2. info
    Brokered deposits above 30%
    Liquidity — Brokered 30.6% of deposits (threshold 30%).
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.82% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↓ -1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -8

The five pillars

Liquidity

WatchQoQ +1
45
Sub-score

Liquidity is deteriorating: brokered 30.6%, loans/deposits 107.8%, cash 2.8% of assets.

Cash / Assets
2.82%
Loans / Deposits
107.78%
Brokered %
30.60%

Watch Items

  • infoBrokered deposits above 30% — Brokered 30.6% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 107.8% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.82% of assets (threshold 3%).

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

StrongQoQ +1
90
Sub-score

Capital position is strong: Tier 1 RBC 12.43%, CET1 12.43%, leverage 10.86%.

Tier 1 RBC
12.43%
CET1
12.43%
Leverage
10.86%
No watch items at this period.

Asset Quality

StrongQoQ -1
94
Sub-score

Asset quality is strong: Adjusted NPL 0.86%, Texas Ratio 6.1%, NCO YTD 0.15%.

Adjusted NPL
0.86%
Govt-guarantees stripped
Texas Ratio
6.1%
NCO YTD
0.15%
30-89 PD
0.04%
Band 0.3% / 3.0%
90+ PD
0.29%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -8
65
Sub-score

Reserves are stable: ALLL 1.00% of loans, coverage 116.7%, true coverage 116.4%.

ALLL / Loans
1.00%
Coverage
116.7%
True Loss Coverage
116.4%
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: 2026-05-14 05:51:31 UTC