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Devon Bank

IDRSSD: 347639
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2024-Q1QoQ -1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q1

Bank #347639 2024-Q1 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2023:
↓ -1 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    ↑ 0
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ -4
73
Sub-score

Liquidity is stable: brokered 13.6%, loans/deposits 68.2%, cash 3.2% of assets.

Cash / Assets
3.19%
Loans / Deposits
68.23%
Brokered %
13.65%
No watch items at this period.

Securities

StrongQoQ 0
88
Sub-score

Securities profile is strong: securities 23.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
23.58%
No watch items at this period.

Capitalization

WatchQoQ -1
48
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.03%, CET1 10.03%, leverage 6.53%.

Tier 1 RBC
10.03%
CET1
10.03%
Leverage
6.53%
No watch items at this period.

Asset Quality

StrongQoQ -1
98
Sub-score

Asset quality is strong: Adjusted NPL 0.10%, Texas Ratio 0.6%, NCO YTD 0.07%.

Adjusted NPL
0.10%
Govt-guarantees stripped
Texas Ratio
0.6%
NCO YTD
0.07%
30-89 PD
0.68%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +2
88
Sub-score

Reserves are strong: ALLL 1.47% of loans, coverage 1559.4%, true coverage 77.3%.

ALLL / Loans
1.47%
Coverage
1559.4%
True Loss Coverage
77.3%
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: 2026-05-15 01:46:59 UTC