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Continental Bank

IDRSSD: 3220863
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
78
/ 100
StableAs of 2023-Q4QoQ +12

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 #3220863 2023-Q4 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (risk).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 72.2% of deposits (threshold 30%).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 5.73% of loans.
  3. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.57% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↑ +12 ptscomposite
  • Liquidity
    ↓ -20
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +44
  • Reserves
    — —

The five pillars

Liquidity

RiskQoQ -20
35
Sub-score

Liquidity is weak: brokered 72.2%, loans/deposits 109.7%, cash 0.6% of assets.

Cash / Assets
0.57%
Loans / Deposits
109.71%
Brokered %
72.23%

Watch Items

  • riskBrokered deposits above 30% — Brokered 72.2% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 109.7% (threshold 100%).
  • riskCash / Assets below 3% — Cash 0.57% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.62%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.04%, CET1 16.04%, leverage 14.36%.

Tier 1 RBC
16.04%
CET1
16.04%
Leverage
14.36%
No watch items at this period.

Asset Quality

StableQoQ +44
66
Sub-score

Asset quality is stable: Adjusted NPL 1.61%, Texas Ratio 7.6%, NCO YTD 5.73%.

Adjusted NPL
1.61%
Govt-guarantees stripped
Texas Ratio
7.6%
NCO YTD
5.73%
30-89 PD
1.60%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 5.73% of loans.

Reserves

Strong
98
Sub-score

Reserves are strong: ALLL 3.00% of loans, coverage 191.8%, true coverage 175.6%.

ALLL / Loans
3.00%
Coverage
191.8%
True Loss Coverage
175.6%
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 03:59:23 UTC