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Crescent Bank

IDRSSD: 1885932
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
80
/ 100
StableAs 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 #1885932 2024-Q1 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 9.73% of loans.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.71% (govt-guarantees stripped).
  3. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.46%.

What changed this quarter

Compared to Q4 2023:
↑ +2 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↑ +11
  • Reserves
    ↑ +4

The five pillars

Liquidity

StableQoQ -5
79
Sub-score

Liquidity is stable: brokered 3.1%, loans/deposits 92.5%, cash 6.7% of assets.

Cash / Assets
6.69%
Loans / Deposits
92.55%
Brokered %
3.05%
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

StrongQoQ 0
100
Sub-score

Capital position is strong: Tier 1 RBC 14.00%, CET1 14.00%, leverage 12.40%.

Tier 1 RBC
14.00%
CET1
14.00%
Leverage
12.40%
No watch items at this period.

Asset Quality

RiskQoQ +11
36
Sub-score

Asset quality is weak: Adjusted NPL 2.71%, Texas Ratio 12.3%, NCO YTD 9.73%.

Adjusted NPL
2.71%
Govt-guarantees stripped
Texas Ratio
12.3%
NCO YTD
9.73%
30-89 PD
16.20%
Band 0.3% / 3.0%
90+ PD
1.46%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.71% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.46%.
  • riskNet charge-offs elevated — NCO YTD 9.73% of loans.

Reserves

StrongQoQ +4
100
Sub-score

Reserves are strong: ALLL 6.13% of loans, coverage 241.1%, true coverage 230.7%.

ALLL / Loans
6.13%
Coverage
241.1%
True Loss Coverage
230.7%
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: 2026-05-13 11:28:07 UTC