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Crown Bank

IDRSSD: 2686211
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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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
52
/ 100
WatchAs of 2023-Q4QoQ -41

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 #2686211 2023-Q4 Vital Signs Score: 52/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 17.5% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 17.5% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 124.4% (threshold 100%).

What changed this quarter

Compared to Q3 2023:
↓ -41 ptscomposite
  • Liquidity
    ↓ -18
  • Securities
    — —
  • Capitalization
    ↓ -50
  • Asset Quality
    ↓ -50
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -18
53
Sub-score

Liquidity is deteriorating: brokered 10.3%, loans/deposits 124.4%, cash 0.7% of assets.

Cash / Assets
0.74%
Loans / Deposits
124.43%
Brokered %
10.30%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 124.4% (threshold 100%).
  • riskCash / Assets below 3% — Cash 0.74% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.09%
No watch items at this period.

Capitalization

WatchQoQ -50
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 24.91%.

Tier 1 RBC
—
CET1
0.00%
Leverage
24.91%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

WatchQoQ -50
50
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.95%, Texas Ratio 17.5%, NCO YTD 0.00%.

Adjusted NPL
4.95%
Govt-guarantees stripped
Texas Ratio
17.5%
NCO YTD
0.00%
30-89 PD
2.80%
Band 0.3% / 3.0%
90+ PD
0.11%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.95% (govt-guarantees stripped).

Reserves

Risk
12
Sub-score

Reserves are weak: ALLL 0.86% of loans, coverage 17.5%, true coverage 17.5%.

ALLL / Loans
0.86%
Coverage
17.5%
True Loss Coverage
17.5%

Watch Items

  • riskALLL / NPL below 50% — Coverage 17.5% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 17.5% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-14 03:51:35 UTC