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Coulee Bank

IDRSSD: 457752
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
69
/ 100
StableAs of 2024-Q3QoQ -12

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 #457752 2024-Q3 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 35.8% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 35.9% (regulatory soft-warning level 50%).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.18% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↓ -12 ptscomposite
  • Liquidity
    ↑ +8
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -17
  • Reserves
    ↓ -63

The five pillars

Liquidity

StableQoQ +8
70
Sub-score

Liquidity is stable: brokered 7.9%, loans/deposits 97.0%, cash 4.9% of assets.

Cash / Assets
4.93%
Loans / Deposits
96.96%
Brokered %
7.90%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.97%
No watch items at this period.

Capitalization

StableQoQ -2
75
Sub-score

Capital position is stable: Tier 1 RBC 11.97%, CET1 11.97%, leverage 9.09%.

Tier 1 RBC
11.97%
CET1
11.97%
Leverage
9.09%
No watch items at this period.

Asset Quality

StableQoQ -17
73
Sub-score

Asset quality is stable: Adjusted NPL 3.18%, Texas Ratio 24.7%, NCO YTD -0.01%.

Adjusted NPL
3.18%
Govt-guarantees stripped
Texas Ratio
24.7%
NCO YTD
-0.01%
30-89 PD
0.63%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.18% (govt-guarantees stripped).

Reserves

RiskQoQ -63
24
Sub-score

Reserves are weak: ALLL 1.13% of loans, coverage 35.9%, true coverage 35.8%.

ALLL / Loans
1.13%
Coverage
35.9%
True Loss Coverage
35.8%

Watch Items

  • watchALLL / NPL below 50% — Coverage 35.9% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 35.8% (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: 2026-05-12 20:17:43 UTC