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Devon Bank

IDRSSD: 347639
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
74
/ 100
StableAs of 2024-Q4QoQ -2

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 #347639 2024-Q4 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.14% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    ↓ -1
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -14

The five pillars

Liquidity

StableQoQ +1
76
Sub-score

Liquidity is stable: brokered 10.1%, loans/deposits 66.6%, cash 2.1% of assets.

Cash / Assets
2.14%
Loans / Deposits
66.57%
Brokered %
10.13%

Watch Items

  • infoCash / Assets below 3% — Cash 2.14% of assets (threshold 3%).

Securities

StrongQoQ -1
89
Sub-score

Securities profile is strong: securities 23.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
23.22%
No watch items at this period.

Capitalization

WatchQoQ 0
45
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.31%, CET1 10.31%, leverage 6.46%.

Tier 1 RBC
10.31%
CET1
10.31%
Leverage
6.46%
No watch items at this period.

Asset Quality

StrongQoQ -2
98
Sub-score

Asset quality is strong: Adjusted NPL 0.17%, Texas Ratio 1.1%, NCO YTD 0.12%.

Adjusted NPL
0.17%
Govt-guarantees stripped
Texas Ratio
1.1%
NCO YTD
0.12%
30-89 PD
0.55%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -14
67
Sub-score

Reserves are stable: ALLL 1.12% of loans, coverage 666.3%, true coverage 57.9%.

ALLL / Loans
1.12%
Coverage
666.3%
True Loss Coverage
57.9%
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