Liquidity
Liquidity is strong: brokered 4.9%, loans/deposits 56.6%, cash 38.1% of assets.
- Cash / Assets
- 38.06%
- Loans / Deposits
- 56.55%
- Brokered %
- 4.90%
Per-quarter snapshot for 2026-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 2026-Q1 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).
Liquidity is strong: brokered 4.9%, loans/deposits 56.6%, cash 38.1% of assets.
Securities profile is strong: securities 1.0% of assets.
Capital position is strong: Tier 1 RBC 56.66%, CET1 56.66%, leverage 25.32%.
Asset quality is strong: Adjusted NPL 1.00%, Texas Ratio 1.6%, NCO YTD 0.00%.
Reserves are weak: ALLL 0.22% of loans, coverage 22.4%, true coverage 22.4%.
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