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

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2023-Q4QoQ +17

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

Quarterly Headline

2023-Q4

Bank #30810 2023-Q4 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Reserves (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 4.14% of loans.
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 105.8% (threshold 100%).
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.67%.

What changed this quarter

Compared to Q3 2023:
↑ +17 ptscomposite
  • Liquidity
    ↓ -17
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↑ +48
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -17
60
Sub-score

Liquidity is stable: brokered 21.1%, loans/deposits 105.8%.

Cash / Assets
—
Loans / Deposits
105.78%
Brokered %
21.07%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 105.8% (threshold 100%).

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

StableQoQ -6
74
Sub-score

Capital position is stable: Tier 1 RBC 10.75%, leverage 9.61%.

Tier 1 RBC
10.75%
CET1
—
Leverage
9.61%
No watch items at this period.

Asset Quality

WatchQoQ +48
48
Sub-score

Asset quality is deteriorating: Adjusted NPL 1.90%, Texas Ratio 9.7%, NCO YTD 4.14%.

Adjusted NPL
1.90%
Govt-guarantees stripped
Texas Ratio
9.7%
NCO YTD
4.14%
30-89 PD
1.93%
Band 0.3% / 3.0%
90+ PD
1.67%
Band 0.1% / 2.0%

Watch Items

  • watch90+ days past due elevated — 90+ PD 1.67%.
  • riskNet charge-offs elevated — NCO YTD 4.14% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 7.23% of loans, coverage 410.8%, true coverage 211.1%.

ALLL / Loans
7.23%
Coverage
410.8%
True Loss Coverage
211.1%
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