Visbanking Logo
Skip to main content

Crescent Bank

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

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2024-Q4QoQ +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-Q4

Bank #1885932 2024-Q4 Vital Signs Score: 72/100 — 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 10.43% of loans.
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.77% (govt-guarantees stripped).
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 2.15%.

What changed this quarter

Compared to Q3 2024:
↑ +2 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↑ +13
  • Asset Quality
    ↓ -3
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -5
77
Sub-score

Liquidity is stable: brokered 3.6%, loans/deposits 88.9%, cash 4.8% of assets.

Cash / Assets
4.80%
Loans / Deposits
88.90%
Brokered %
3.62%
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 +13
84
Sub-score

Capital position is strong: Tier 1 RBC 12.36%, CET1 12.36%, leverage 10.93%.

Tier 1 RBC
12.36%
CET1
12.36%
Leverage
10.93%
No watch items at this period.

Asset Quality

RiskQoQ -3
23
Sub-score

Asset quality is weak: Adjusted NPL 3.77%, Texas Ratio 14.0%, NCO YTD 10.43%.

Adjusted NPL
3.77%
Govt-guarantees stripped
Texas Ratio
14.0%
NCO YTD
10.43%
30-89 PD
22.12%
Band 0.3% / 3.0%
90+ PD
2.15%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.77% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.15%.
  • riskNet charge-offs elevated — NCO YTD 10.43% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 11.16% of loans, coverage 333.3%, true coverage 319.7%.

ALLL / Loans
11.16%
Coverage
333.3%
True Loss Coverage
319.7%
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