Visbanking Logo
Skip to main content

Continental Bank

IDRSSD: 3220863
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
72
/ 100
StableAs of 2024-Q2QoQ +3

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 #3220863 2024-Q2 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 69.7% of deposits (threshold 30%).
  2. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 118.0% (threshold 100%).
  3. risk
    Cash / Assets below 3%
    Liquidity — Cash 1.00% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↑ +3 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +5
  • Reserves
    ↑ +10

The five pillars

Liquidity

WatchQoQ +3
40
Sub-score

Liquidity is deteriorating: brokered 69.7%, loans/deposits 118.0%, cash 1.0% of assets.

Cash / Assets
1.00%
Loans / Deposits
117.98%
Brokered %
69.68%

Watch Items

  • riskBrokered deposits above 30% — Brokered 69.7% of deposits (threshold 30%).
  • riskLoans / Deposits above 100% — Loans/Deposits 118.0% (threshold 100%).
  • riskCash / Assets below 3% — Cash 1.00% 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 16.73%, CET1 16.73%, leverage 16.20%.

Tier 1 RBC
16.73%
CET1
16.73%
Leverage
16.20%
No watch items at this period.

Asset Quality

WatchQoQ +5
52
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.89%, Texas Ratio 13.3%, NCO YTD 1.80%.

Adjusted NPL
2.89%
Govt-guarantees stripped
Texas Ratio
13.3%
NCO YTD
1.80%
30-89 PD
2.23%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.89% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 1.80% of loans.

Reserves

StableQoQ +10
71
Sub-score

Reserves are stable: ALLL 2.56% of loans, coverage 90.8%, true coverage 89.9%.

ALLL / Loans
2.56%
Coverage
90.8%
True Loss Coverage
89.9%
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