Liquidity
Liquidity is strong: brokered 1.3%, loans/deposits 62.1%, cash 37.4% of assets.
- Cash / Assets
- 37.36%
- Loans / Deposits
- 62.15%
- Brokered %
- 1.28%
Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Bank #214807 2024-Q1 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).
Liquidity is strong: brokered 1.3%, loans/deposits 62.1%, cash 37.4% of assets.
Securities profile is strong: securities 1.0% of assets.
Capital position is strong: Tier 1 RBC 51.90%, CET1 51.90%, leverage 27.79%.
Asset quality is strong: Adjusted NPL 0.17%, Texas Ratio 0.3%, NCO YTD 0.00%.
Reserves are weak: ALLL 0.10% of loans, coverage 57.1%, true coverage 57.1%.
functions/src/vitalSignsScore.ts for the complete formula and band anchors.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 13:25:13 UTC