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Crescent Bank

IDRSSD: 1885932
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
70
/ 100
StableAs of 2024-Q3QoQ -3

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 #1885932 2024-Q3 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 10.99% of loans.
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.41% (govt-guarantees stripped).
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 2.02%.

What changed this quarter

Compared to Q2 2024:
↓ -3 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -10
  • Asset Quality
    ↓ -5
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +3
81
Sub-score

Liquidity is strong: brokered 3.3%, loans/deposits 86.4%, cash 6.3% of assets.

Cash / Assets
6.29%
Loans / Deposits
86.37%
Brokered %
3.32%
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

StableQoQ -10
70
Sub-score

Capital position is stable: Tier 1 RBC 11.18%, CET1 11.18%, leverage 9.83%.

Tier 1 RBC
11.18%
CET1
11.18%
Leverage
9.83%
No watch items at this period.

Asset Quality

RiskQoQ -5
26
Sub-score

Asset quality is weak: Adjusted NPL 3.41%, Texas Ratio 12.5%, NCO YTD 10.99%.

Adjusted NPL
3.41%
Govt-guarantees stripped
Texas Ratio
12.5%
NCO YTD
10.99%
30-89 PD
20.27%
Band 0.3% / 3.0%
90+ PD
2.02%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.41% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.02%.
  • riskNet charge-offs elevated — NCO YTD 10.99% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 12.55% of loans, coverage 420.5%, true coverage 403.1%.

ALLL / Loans
12.55%
Coverage
420.5%
True Loss Coverage
403.1%
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