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Crescent Bank

IDRSSD: 1885932
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2023-Q4QoQ +7

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #1885932 2023-Q4 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 7.74% of loans.
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.44% (govt-guarantees stripped).
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 2.05%.

What changed this quarter

Compared to Q3 2023:
↑ +7 ptscomposite
  • Liquidity
    ↓ -14
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +25
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -14
84
Sub-score

Liquidity is strong: brokered 2.9%, loans/deposits 91.0%, cash 8.4% of assets.

Cash / Assets
8.39%
Loans / Deposits
90.98%
Brokered %
2.92%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 14.11%, CET1 14.11%, leverage 12.70%.

Tier 1 RBC
14.11%
CET1
14.11%
Leverage
12.70%
No watch items at this period.

Asset Quality

RiskQoQ +25
25
Sub-score

Asset quality is weak: Adjusted NPL 3.44%, Texas Ratio 15.6%, NCO YTD 7.74%.

Adjusted NPL
3.44%
Govt-guarantees stripped
Texas Ratio
15.6%
NCO YTD
7.74%
30-89 PD
17.87%
Band 0.3% / 3.0%
90+ PD
2.05%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.44% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.05%.
  • riskNet charge-offs elevated — NCO YTD 7.74% of loans.

Reserves

Strong
96
Sub-score

Reserves are strong: ALLL 5.95% of loans, coverage 183.7%, true coverage 177.4%.

ALLL / Loans
5.95%
Coverage
183.7%
True Loss Coverage
177.4%
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: 2026-05-13 11:28:07 UTC