Visbanking Logo
Skip to main content

Deerwood Bank

IDRSSD: 314257
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
72
/ 100
StableAs of 2024-Q4QoQ -8

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 #314257 2024-Q4 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 37.3% (Adjusted NPL + Performing Mods denominator).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.65% of loans.
  3. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.10% of loans.

What changed this quarter

Compared to Q3 2024:
↓ -8 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -20

The five pillars

Liquidity

StrongQoQ -2
88
Sub-score

Liquidity is strong: brokered 0.1%, loans/deposits 83.5%, cash 7.6% of assets.

Cash / Assets
7.59%
Loans / Deposits
83.47%
Brokered %
0.11%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.69%
No watch items at this period.

Capitalization

StableQoQ -6
63
Sub-score

Capital position is stable: Tier 1 RBC 11.18%, CET1 11.18%, leverage 8.68%.

Tier 1 RBC
11.18%
CET1
11.18%
Leverage
8.68%
No watch items at this period.

Asset Quality

StrongQoQ -12
87
Sub-score

Asset quality is strong: Adjusted NPL 1.00%, Texas Ratio 8.2%, NCO YTD 1.10%.

Adjusted NPL
1.00%
Govt-guarantees stripped
Texas Ratio
8.2%
NCO YTD
1.10%
30-89 PD
0.26%
Band 0.3% / 3.0%
90+ PD
0.07%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.10% of loans.

Reserves

RiskQoQ -20
12
Sub-score

Reserves are weak: ALLL 0.65% of loans, coverage 65.0%, true coverage 37.3%.

ALLL / Loans
0.65%
Coverage
65.0%
True Loss Coverage
37.3%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 37.3% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.65% of loans.

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: 2026-05-14 07:42:17 UTC