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Devon Bank

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

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2024-Q2QoQ -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-Q2

Bank #347639 2024-Q2 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

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.86% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    ↑ +3
  • Capitalization
    ↓ -4
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ -7

The five pillars

Liquidity

StableQoQ +4
77
Sub-score

Liquidity is stable: brokered 11.1%, loans/deposits 68.8%, cash 2.9% of assets.

Cash / Assets
2.86%
Loans / Deposits
68.76%
Brokered %
11.06%

Watch Items

  • infoCash / Assets below 3% — Cash 2.86% of assets (threshold 3%).

Securities

StrongQoQ +3
91
Sub-score

Securities profile is strong: securities 22.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
22.83%
No watch items at this period.

Capitalization

WatchQoQ -4
43
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.07%, CET1 10.07%, leverage 6.52%.

Tier 1 RBC
10.07%
CET1
10.07%
Leverage
6.52%
No watch items at this period.

Asset Quality

StrongQoQ +2
100
Sub-score

Asset quality is strong: Adjusted NPL 0.25%, Texas Ratio 1.5%, NCO YTD 0.00%.

Adjusted NPL
0.25%
Govt-guarantees stripped
Texas Ratio
1.5%
NCO YTD
0.00%
30-89 PD
0.12%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -7
81
Sub-score

Reserves are strong: ALLL 1.39% of loans, coverage 563.0%, true coverage 67.0%.

ALLL / Loans
1.39%
Coverage
563.0%
True Loss Coverage
67.0%
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