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Coulee Bank

IDRSSD: 457752
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
83
/ 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 #457752 2024-Q1 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (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 1.51% of assets (threshold 3%).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.2% (threshold 100%).

What changed this quarter

Compared to Q4 2023:
↓ -2 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -5
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ 0
61
Sub-score

Liquidity is stable: brokered 6.2%, loans/deposits 101.2%, cash 1.5% of assets.

Cash / Assets
1.51%
Loans / Deposits
101.24%
Brokered %
6.17%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.2% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.51% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.15%
No watch items at this period.

Capitalization

StrongQoQ -3
82
Sub-score

Capital position is strong: Tier 1 RBC 12.08%, CET1 12.08%, leverage 9.17%.

Tier 1 RBC
12.08%
CET1
12.08%
Leverage
9.17%
No watch items at this period.

Asset Quality

StrongQoQ -5
90
Sub-score

Asset quality is strong: Adjusted NPL 0.30%, Texas Ratio 2.3%, NCO YTD 0.00%.

Adjusted NPL
0.30%
Govt-guarantees stripped
Texas Ratio
2.3%
NCO YTD
0.00%
30-89 PD
1.96%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ 0
85
Sub-score

Reserves are strong: ALLL 1.06% of loans, coverage 363.8%, true coverage 355.3%.

ALLL / Loans
1.06%
Coverage
363.8%
True Loss Coverage
355.3%
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: 2026-05-12 20:17:43 UTC