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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 — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
56
/ 100
WatchAs of 2024-Q2QoQ +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-Q2

Bank #2686211 2024-Q2 Vital Signs Score: 56/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 10.3% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 10.3% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 128.8% (threshold 100%).

What changed this quarter

Compared to Q1 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +5
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ +5
64
Sub-score

Liquidity is stable: brokered 10.8%, loans/deposits 128.8%, cash 6.0% of assets.

Cash / Assets
6.05%
Loans / Deposits
128.76%
Brokered %
10.84%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 128.8% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.82%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 23.47%.

Tier 1 RBC
—
CET1
0.00%
Leverage
23.47%

Watch Items

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

Asset Quality

WatchQoQ +5
54
Sub-score

Asset quality is deteriorating: Adjusted NPL 8.83%, Texas Ratio 30.9%, NCO YTD 0.00%.

Adjusted NPL
8.83%
Govt-guarantees stripped
Texas Ratio
30.9%
NCO YTD
0.00%
30-89 PD
1.71%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 8.83% (govt-guarantees stripped).

Reserves

RiskQoQ 0
13
Sub-score

Reserves are weak: ALLL 0.90% of loans, coverage 10.3%, true coverage 10.3%.

ALLL / Loans
0.90%
Coverage
10.3%
True Loss Coverage
10.3%

Watch Items

  • riskALLL / NPL below 50% — Coverage 10.3% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 10.3% (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