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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 — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2024-Q4QoQ -3

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 #2354985 2024-Q4 Vital Signs Score: 87/100 — 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 35.3% of deposits (threshold 30%).

What changed this quarter

Compared to Q3 2024:
↓ -3 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -7
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -5

The five pillars

Liquidity

StableQoQ 0
77
Sub-score

Liquidity is stable: brokered 35.3%, loans/deposits 76.3%, cash 17.0% of assets.

Cash / Assets
16.96%
Loans / Deposits
76.28%
Brokered %
35.26%

Watch Items

  • watchBrokered deposits above 30% — Brokered 35.3% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.45%
No watch items at this period.

Capitalization

StrongQoQ -7
85
Sub-score

Capital position is strong: Tier 1 RBC 12.96%, CET1 12.96%, leverage 8.65%.

Tier 1 RBC
12.96%
CET1
12.96%
Leverage
8.65%
No watch items at this period.

Asset Quality

StrongQoQ -1
95
Sub-score

Asset quality is strong: Adjusted NPL 0.52%, Texas Ratio 3.6%, NCO YTD 0.41%.

Adjusted NPL
0.52%
Govt-guarantees stripped
Texas Ratio
3.6%
NCO YTD
0.41%
30-89 PD
0.46%
Band 0.3% / 3.0%
90+ PD
0.22%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -5
77
Sub-score

Reserves are stable: ALLL 0.93% of loans, coverage 181.4%, true coverage 133.9%.

ALLL / Loans
0.93%
Coverage
181.4%
True Loss Coverage
133.9%
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