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Crown Bank

IDRSSD: 2860271
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
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
62
/ 100
StableAs of 2024-Q2QoQ -11

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 #2860271 2024-Q2 Vital Signs Score: 62/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 107.7% (threshold 100%).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 47.1% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 47.1% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2024:
↓ -11 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↓ -16
  • Reserves
    ↓ -34

The five pillars

Liquidity

WatchQoQ -1
52
Sub-score

Liquidity is deteriorating: brokered 17.8%, loans/deposits 107.7%, cash 2.3% of assets.

Cash / Assets
2.30%
Loans / Deposits
107.73%
Brokered %
17.84%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 107.7% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.30% of assets (threshold 3%).

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

WatchQoQ -6
49
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.65%, CET1 9.65%, leverage 8.93%.

Tier 1 RBC
9.65%
CET1
9.65%
Leverage
8.93%
No watch items at this period.

Asset Quality

StrongQoQ -16
84
Sub-score

Asset quality is strong: Adjusted NPL 2.18%, Texas Ratio 19.4%, NCO YTD -0.03%.

Adjusted NPL
2.18%
Govt-guarantees stripped
Texas Ratio
19.4%
NCO YTD
-0.03%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.18% (govt-guarantees stripped).

Reserves

RiskQoQ -34
25
Sub-score

Reserves are weak: ALLL 1.01% of loans, coverage 47.1%, true coverage 47.1%.

ALLL / Loans
1.01%
Coverage
47.1%
True Loss Coverage
47.1%

Watch Items

  • infoALLL / NPL below 50% — Coverage 47.1% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 47.1% (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: 2026-05-13 14:02:22 UTC