Liquidity
StrongQoQ +2
85
Sub-score
Liquidity is strong: brokered 2.1%, loans/deposits 73.1%, cash 4.4% of assets.
- Cash / Assets
- 4.44%
- Loans / Deposits
- 73.05%
- Brokered %
- 2.09%
No watch items at this period.
Cross Keys Bank
IDRSSD: 755252
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
86
/ 100
StrongAs of 2024-Q4QoQ +1
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 #755252 2024-Q4 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).
Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Risk
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q3 2024:
↑ +1 ptscomposite
- Liquidity↑ +2
- Securities— —
- Capitalization— —
- Asset Quality↑ +6
- Reserves↓ -7
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 11.8% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 11.81%
SVB watch metric
No watch items at this period.
Capitalization
Strong
100
Sub-score
Capital position is strong: Tier 1 RBC 16.43%, CET1 16.43%, leverage 13.21%.
- Tier 1 RBC
- 16.43%
- CET1
- 16.43%
- Leverage
- 13.21%
No watch items at this period.
Asset Quality
StrongQoQ +6
95
Sub-score
Asset quality is strong: Adjusted NPL 1.05%, Texas Ratio 4.9%, NCO YTD -0.16%.
- Adjusted NPL
- 1.05%
- Texas Ratio
- 4.9%
- NCO YTD
- -0.16%
- 30-89 PD
- 0.37%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
RiskQoQ -7
34
Sub-score
Reserves are weak: ALLL 0.76% of loans, coverage 72.8%, true coverage 71.6%.
- ALLL / Loans
- 0.76%
- Coverage
- 72.8%
- True Loss Coverage
- 71.6%
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.tsfor 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: 2026-05-15 08:14:20 UTC