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Cortrust Bank National Association

IDRSSD: 61355
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
89
/ 100
StrongAs of 2024-Q1QoQ +2

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 #61355 2024-Q1 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Reserves (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.09% of assets (threshold 3%).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.10% of loans.

What changed this quarter

Compared to Q4 2023:
↑ +2 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    ↑ +1
  • Capitalization
    ↑ +8
  • Asset Quality
    ↓ -1
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ 0
76
Sub-score

Liquidity is stable: brokered 3.0%, loans/deposits 75.0%, cash 1.1% of assets.

Cash / Assets
1.09%
Loans / Deposits
75.00%
Brokered %
2.99%

Watch Items

  • watchCash / Assets below 3% — Cash 1.09% of assets (threshold 3%).

Securities

StrongQoQ +1
96
Sub-score

Securities profile is strong: securities 21.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
21.09%
No watch items at this period.

Capitalization

StrongQoQ +8
87
Sub-score

Capital position is strong: Tier 1 RBC 12.55%, CET1 12.55%, leverage 9.22%.

Tier 1 RBC
12.55%
CET1
12.55%
Leverage
9.22%
No watch items at this period.

Asset Quality

StrongQoQ -1
89
Sub-score

Asset quality is strong: Adjusted NPL 0.28%, Texas Ratio 1.8%, NCO YTD 1.10%.

Adjusted NPL
0.28%
Govt-guarantees stripped
Texas Ratio
1.8%
NCO YTD
1.10%
30-89 PD
0.44%
Band 0.3% / 3.0%
90+ PD
0.22%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.10% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 1.57% of loans, coverage 566.4%, true coverage 423.4%.

ALLL / Loans
1.57%
Coverage
566.4%
True Loss Coverage
423.4%
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 13:19:25 UTC