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IDRSSD: 2354985
Total Assets
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Latest filing
Total Deposits
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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
90
/ 100
StrongAs of 2024-Q2QoQ 0

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 #2354985 2024-Q2 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Brokered deposits above 30%
    Liquidity — Brokered 40.7% of deposits (threshold 30%).

What changed this quarter

Compared to Q1 2024:
↑ 0 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ -2
77
Sub-score

Liquidity is stable: brokered 40.7%, loans/deposits 75.7%, cash 14.7% of assets.

Cash / Assets
14.65%
Loans / Deposits
75.69%
Brokered %
40.72%

Watch Items

  • watchBrokered deposits above 30% — Brokered 40.7% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.59%
No watch items at this period.

Capitalization

StrongQoQ +2
95
Sub-score

Capital position is strong: Tier 1 RBC 14.17%, CET1 14.17%, leverage 9.16%.

Tier 1 RBC
14.17%
CET1
14.17%
Leverage
9.16%
No watch items at this period.

Asset Quality

StrongQoQ +2
95
Sub-score

Asset quality is strong: Adjusted NPL 0.49%, Texas Ratio 3.2%, NCO YTD 0.56%.

Adjusted NPL
0.49%
Govt-guarantees stripped
Texas Ratio
3.2%
NCO YTD
0.56%
30-89 PD
0.27%
Band 0.3% / 3.0%
90+ PD
0.14%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -1
82
Sub-score

Reserves are strong: ALLL 0.97% of loans, coverage 198.6%, true coverage 110.6%.

ALLL / Loans
0.97%
Coverage
198.6%
True Loss Coverage
110.6%
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