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Crown Bank

IDRSSD: 2860271
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
63
/ 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 #2860271 2024-Q4 Vital Signs Score: 63/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.70% of loans.

What changed this quarter

Compared to Q3 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -10
  • Reserves
    ↑ +8

The five pillars

Liquidity

StableQoQ +1
62
Sub-score

Liquidity is stable: brokered 13.7%, loans/deposits 97.9%, cash 3.3% of assets.

Cash / Assets
3.34%
Loans / Deposits
97.92%
Brokered %
13.73%
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

WatchQoQ -4
46
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.58%, CET1 9.58%, leverage 8.25%.

Tier 1 RBC
9.58%
CET1
9.58%
Leverage
8.25%
No watch items at this period.

Asset Quality

StableQoQ -10
74
Sub-score

Asset quality is stable: Adjusted NPL 1.81%, Texas Ratio 16.0%, NCO YTD 1.70%.

Adjusted NPL
1.81%
Govt-guarantees stripped
Texas Ratio
16.0%
NCO YTD
1.70%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.70% of loans.

Reserves

RiskQoQ +8
38
Sub-score

Reserves are weak: ALLL 1.12% of loans, coverage 62.7%, true coverage 59.7%.

ALLL / Loans
1.12%
Coverage
62.7%
True Loss Coverage
59.7%
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 14:02:22 UTC