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IDRSSD: 30810
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q3

Per-quarter snapshot for 2023-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
50
/ 100
WatchAs of 2023-Q3QoQ -27

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

Quarterly Headline

2023-Q3

Bank #30810 2023-Q3 Vital Signs Score: 50/100 — overall watch. Strongest pillar: Capitalization (stable). Weakest pillar: Asset Quality (risk).

Liquidity:Stable
Securities:Unknown
Capitalization:Stable
Asset Quality:Risk
Reserves:Unknown

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 3.56% of loans.

What changed this quarter

Compared to Q2 2023:
↓ -27 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    — —
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ 0
78
Sub-score

Liquidity is stable: brokered 20.2%.

Cash / Assets
—
Loans / Deposits
—
Brokered %
20.19%
No watch items at this period.

Securities

Unknown
—
Sub-score

Insufficient data to compute a narrative for this pillar.

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

Capitalization

Stable
79
Sub-score

Capital position is stable: Tier 1 RBC 11.16%, leverage 9.96%.

Tier 1 RBC
11.16%
CET1
—
Leverage
9.96%
No watch items at this period.

Asset Quality

Risk
0
Sub-score

Asset quality is weak: NCO YTD 3.56%.

Adjusted NPL
—
Govt-guarantees stripped
Texas Ratio
—
NCO YTD
3.56%
30-89 PD
—
Band 0.3% / 3.0%
90+ PD
—
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 3.56% of loans.

Reserves

Unknown
—
Sub-score

Insufficient data to compute a narrative for this pillar.

ALLL / Loans
—
Coverage
—
True Loss Coverage
—
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 03:49:33 UTC