Crescent Bank

IDRSSD: 1885932

Total Assets

—

Latest filing

Total Deposits

—

Latest filing

Net Interest Margin

—

Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 16 alerts active.

Summary

RSSD 1885932 held $1.0B in total assets as of 2026-03-31 (+3.6% quarter-over-quarter). Total loans stood at $324.9M (-54.0% QoQ) and total deposits at $832.9M (-1.4% QoQ).

Overall position is strong — the composite Health Score is 79/100 (Strong). Tier 1 / RWA stands at 36.55%, in the top quartile of peers. Asset quality (NPL ratio) sits in the below median of peers.

16 Quarterly Anomaly Alerts fired this quarter, including 1 critical-severity row. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score

79/100

Strong

Active Alerts

1 critical, 1 warning

Total Assets

$1.0B

+3.6% QoQ

Total Loans

$324.9M

-54.0% QoQ

Total Deposits

$832.9M

-1.4% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Critical· Peer Outlier Alert
Net Interest Margin QoQ change is -12.9σ from peer-group average
Moved from 12.08% to 7.00%; peers averaged a -0.06% change.
Warning· Cliff Drop Alert
ALLL Coverage of NPL dropped 23 percentile points vs prior quarter
Now ranks at the 26th percentile of peers (was 49th).
Info· Peer Outlier Alert
AFS Securities / Assets QoQ change is 15.7σ from peer-group average
Moved from 14.38% to 44.41%; peers averaged a -0.15% change.
Info· Peer Outlier Alert
CET1 / RWA QoQ change is 6.4σ from peer-group average
Moved from 15.49% to 36.55%; peers averaged a -0.07% change.
Info· Peer Outlier Alert
Loans / Deposits QoQ change is -10.0σ from peer-group average
Moved from 83.62% to 39.01%; peers averaged a -0.09% change.
Info· Peer Outlier Alert
Net Charge-Offs / Avg Loans QoQ change is -33.4σ from peer-group average
Moved from 13.23% to -12.47%; peers averaged a -0.08% change.
Info· Peer Outlier Alert
NPA / Assets QoQ change is -8.1σ from peer-group average
Moved from 3.06% to 0.35%; peers averaged a 0.01% change.
Info· Peer Outlier Alert
NPL / Loans QoQ change is -6.6σ from peer-group average
Moved from 3.85% to 1.08%; peers averaged a 0.02% change.
Info· Peer Outlier Alert
Pre-tax NOI / Avg Assets QoQ change is 29.8σ from peer-group average
Moved from 0.03% to 25.65%; peers averaged a 0.07% change.
Info· Peer Outlier Alert
Return on Assets QoQ change is 25.2σ from peer-group average
Moved from -0.17% to 19.63%; peers averaged a 0.05% change.
Info· Peer Outlier Alert
Return on Equity QoQ change is 15.9σ from peer-group average
Moved from -1.41% to 141.04%; peers averaged a 0.53% change.
Info· Peer Outlier Alert
Securities / Assets QoQ change is 10.9σ from peer-group average
Moved from 14.38% to 44.41%; peers averaged a -0.14% change.
Info· Peer Outlier Alert
Texas Ratio (regulatory) QoQ change is -4.1σ from peer-group average
Moved from 15.19% to 2.09%; peers averaged a 0.05% change.
Info· Peer Outlier Alert
Tier 1 Leverage Ratio QoQ change is 6.4σ from peer-group average
Moved from 15.49% to 36.55%; peers averaged a -0.07% change.
Info· Peer Outlier Alert
Tier 1 / RWA QoQ change is 5.5σ from peer-group average
Moved from 15.49% to 36.55%; peers averaged a -0.09% change.
Info· Peer Outlier Alert
Total RBC / RWA QoQ change is 5.3σ from peer-group average
Moved from 16.80% to 37.19%; peers averaged a -0.09% change.

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA

36.55%

97th pctile · n=331↑ better

+2105 bp QoQ

CET1 / RWA

36.55%

98th pctile · n=500↑ better

+2106 bp QoQ

Total RBC / RWA

37.19%

97th pctile · n=331↑ better

+2039 bp QoQ

Tier 1 Leverage Ratio

36.55%

98th pctile · n=500↑ better

+2106 bp QoQ

Liquidity

Cash / Assets

11.04%

75th pctile · n=500↑ better

+458 bp QoQ

Loans / Deposits

39.01%

3th pctile · n=498↓ better

-4461 bp QoQ

Non-Core Funding Dependence

—

no peer group↓ better

Asset Quality

NPL / Loans

1.08%

74th pctile · n=500↓ better

-278 bp QoQ

NPA / Assets

0.35%

54th pctile · n=500↓ better

-271 bp QoQ

Texas Ratio (regulatory)

2.09%

46th pctile · n=500↓ better

-1310 bp QoQ

Net Charge-Offs / Avg Loans

-12.47%

0th pctile · n=500↓ better

-2570 bp QoQ

ALLL Coverage of NPL

83.05%

26th pctile · n=500↑ better

-13230 bp QoQ

Earnings

Net Interest Margin

7.00%

99th pctile · n=500↑ better

-508 bp QoQ

Return on Assets

19.63%

100th pctile · n=500↑ better

+1980 bp QoQ

Return on Equity

141.04%

100th pctile · n=500↑ better

+14245 bp QoQ

Efficiency Ratio

-163.53%

0th pctile · n=500↓ better

-20797 bp QoQ

Pre-tax NOI / Avg Assets

25.65%

100th pctile · n=500↑ better

+2562 bp QoQ

Funding

Brokered / Deposits

3.02%

63th pctile · n=498↓ better

+4 bp QoQ

Core Deposits / Deposits

—

no peer group↑ better

FHLB Advances / Liabilities

0.00%

19th pctile · n=500↓ better

Securities

MtM Loss / Tier 1 (SVB metric)

—

no peer group↓ better

Securities / Assets

44.41%

95th pctile · n=500↑ better

+3002 bp QoQ

AFS Securities / Assets

44.41%

96th pctile · n=500↑ better

+3002 bp QoQ

HTM Securities / Assets

0.00%

28th pctile · n=500↑ better

Methodology

Health Score (0-100): Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group: Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert: Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert: Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert: Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source: FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-13 11:28:31 UTC