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Continental Bank

IDRSSD: 3220863
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
68
/ 100
StableAs of 2024-Q1QoQ -10

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 #3220863 2024-Q1 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (risk).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 70.5% of deposits (threshold 30%).
  2. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.93% of assets (threshold 3%).
  3. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.59% of loans.

What changed this quarter

Compared to Q4 2023:
↓ -10 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -19
  • Reserves
    ↓ -37

The five pillars

Liquidity

RiskQoQ +2
37
Sub-score

Liquidity is weak: brokered 70.5%, loans/deposits 108.8%, cash 0.9% of assets.

Cash / Assets
0.93%
Loans / Deposits
108.80%
Brokered %
70.46%

Watch Items

  • riskBrokered deposits above 30% — Brokered 70.5% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 108.8% (threshold 100%).
  • riskCash / Assets below 3% — Cash 0.93% 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
0.63%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.29%, CET1 16.29%, leverage 15.32%.

Tier 1 RBC
16.29%
CET1
16.29%
Leverage
15.32%
No watch items at this period.

Asset Quality

WatchQoQ -19
47
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.04%, Texas Ratio 18.6%, NCO YTD 2.59%.

Adjusted NPL
4.04%
Govt-guarantees stripped
Texas Ratio
18.6%
NCO YTD
2.59%
30-89 PD
1.11%
Band 0.3% / 3.0%
90+ PD
0.14%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.04% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 2.59% of loans.

Reserves

StableQoQ -37
61
Sub-score

Reserves are stable: ALLL 2.99% of loans, coverage 76.1%, true coverage 75.5%.

ALLL / Loans
2.99%
Coverage
76.1%
True Loss Coverage
75.5%
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: 2026-05-14 03:59:23 UTC