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Coulee Bank

IDRSSD: 457752
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
82
/ 100
StrongAs of 2024-Q2QoQ -1

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 #457752 2024-Q2 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.85% of assets (threshold 3%).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.9% (threshold 100%).

What changed this quarter

Compared to Q1 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ 0
62
Sub-score

Liquidity is stable: brokered 7.3%, loans/deposits 100.9%, cash 1.8% of assets.

Cash / Assets
1.85%
Loans / Deposits
100.87%
Brokered %
7.26%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.9% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.85% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.2% of assets.

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

Capitalization

StableQoQ -5
77
Sub-score

Capital position is stable: Tier 1 RBC 12.17%, CET1 12.17%, leverage 9.12%.

Tier 1 RBC
12.17%
CET1
12.17%
Leverage
9.12%
No watch items at this period.

Asset Quality

StrongQoQ -1
89
Sub-score

Asset quality is strong: Adjusted NPL 0.29%, Texas Ratio 2.3%, NCO YTD 0.01%.

Adjusted NPL
0.29%
Govt-guarantees stripped
Texas Ratio
2.3%
NCO YTD
0.01%
30-89 PD
2.06%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +1
86
Sub-score

Reserves are strong: ALLL 1.09% of loans, coverage 372.2%, true coverage 363.7%.

ALLL / Loans
1.09%
Coverage
372.2%
True Loss Coverage
363.7%
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