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Conway Bank

IDRSSD: 972750
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2024-Q3QoQ +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-Q3

Bank #972750 2024-Q3 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / NPL below 50%
    Reserves — Coverage 27.5% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 27.5% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.42% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↑ +3 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +12
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ -3
73
Sub-score

Liquidity is stable: brokered 2.9%, loans/deposits 89.9%, cash 3.2% of assets.

Cash / Assets
3.21%
Loans / Deposits
89.88%
Brokered %
2.86%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.78%
No watch items at this period.

Capitalization

StrongQoQ +2
87
Sub-score

Capital position is strong: Tier 1 RBC 13.29%, CET1 13.29%, leverage 8.82%.

Tier 1 RBC
13.29%
CET1
13.29%
Leverage
8.82%
No watch items at this period.

Asset Quality

StableQoQ +12
64
Sub-score

Asset quality is stable: Adjusted NPL 4.42%, Texas Ratio 33.2%, NCO YTD -0.04%.

Adjusted NPL
4.42%
Govt-guarantees stripped
Texas Ratio
33.2%
NCO YTD
-0.04%
30-89 PD
0.49%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.42% (govt-guarantees stripped).

Reserves

RiskQoQ -1
23
Sub-score

Reserves are weak: ALLL 1.20% of loans, coverage 27.5%, true coverage 27.5%.

ALLL / Loans
1.20%
Coverage
27.5%
True Loss Coverage
27.5%

Watch Items

  • watchALLL / NPL below 50% — Coverage 27.5% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 27.5% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-13 19:21:19 UTC