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IDRSSD: 2354985
Total Assets
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Latest filing
Total Deposits
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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
88
/ 100
StrongAs of 2023-Q4QoQ +7

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 #2354985 2023-Q4 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Brokered deposits above 30%
    Liquidity — Brokered 37.5% of deposits (threshold 30%).

What changed this quarter

Compared to Q3 2023:
↑ +7 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↑ +14
  • Asset Quality
    ↑ +13
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +4
79
Sub-score

Liquidity is stable: brokered 37.5%, loans/deposits 72.4%, cash 18.0% of assets.

Cash / Assets
18.04%
Loans / Deposits
72.39%
Brokered %
37.46%

Watch Items

  • watchBrokered deposits above 30% — Brokered 37.5% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.18%
No watch items at this period.

Capitalization

StrongQoQ +14
92
Sub-score

Capital position is strong: Tier 1 RBC 13.77%, CET1 13.77%, leverage 8.72%.

Tier 1 RBC
13.77%
CET1
13.77%
Leverage
8.72%
No watch items at this period.

Asset Quality

StrongQoQ +13
91
Sub-score

Asset quality is strong: Adjusted NPL 0.58%, Texas Ratio 3.8%, NCO YTD 0.51%.

Adjusted NPL
0.58%
Govt-guarantees stripped
Texas Ratio
3.8%
NCO YTD
0.51%
30-89 PD
0.56%
Band 0.3% / 3.0%
90+ PD
0.37%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
79
Sub-score

Reserves are stable: ALLL 1.02% of loans, coverage 178.1%, true coverage 129.7%.

ALLL / Loans
1.02%
Coverage
178.1%
True Loss Coverage
129.7%
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 16:18:29 UTC