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Delta Bank

IDRSSD: 975256
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
67
/ 100
StableAs of 2024-Q4QoQ -6

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 #975256 2024-Q4 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.62% of assets (threshold 3%).
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.67% of loans.

What changed this quarter

Compared to Q3 2024:
↓ -6 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    ↓ -3
  • Capitalization
    ↑ +5
  • Asset Quality
    ↓ -10
  • Reserves
    ↓ -29

The five pillars

Liquidity

StableQoQ +3
74
Sub-score

Liquidity is stable: brokered 2.1%, loans/deposits 82.8%, cash 1.6% of assets.

Cash / Assets
1.62%
Loans / Deposits
82.77%
Brokered %
2.13%

Watch Items

  • watchCash / Assets below 3% — Cash 1.62% of assets (threshold 3%).

Securities

StrongQoQ -3
96
Sub-score

Securities profile is strong: securities 21.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
21.25%
No watch items at this period.

Capitalization

WatchQoQ +5
48
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.78%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.78%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ -10
85
Sub-score

Asset quality is strong: Adjusted NPL 0.86%, Texas Ratio 5.8%, NCO YTD 0.25%.

Adjusted NPL
0.86%
Govt-guarantees stripped
Texas Ratio
5.8%
NCO YTD
0.25%
30-89 PD
1.28%
Band 0.3% / 3.0%
90+ PD
0.61%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -29
29
Sub-score

Reserves are weak: ALLL 0.67% of loans, coverage 78.8%, true coverage 65.7%.

ALLL / Loans
0.67%
Coverage
78.8%
True Loss Coverage
65.7%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.67% 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: 2026-05-13 04:06:13 UTC