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IDRSSD: 30810
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
70
/ 100
StableAs of 2024-Q2QoQ +3

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 #30810 2024-Q2 Vital Signs Score: 70/100 — 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 4.79% of loans.
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 106.3% (threshold 100%).
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.61%.

What changed this quarter

Compared to Q1 2024:
↑ +3 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +10
  • Asset Quality
    ↑ +2
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -1
62
Sub-score

Liquidity is stable: brokered 17.8%, loans/deposits 106.3%.

Cash / Assets
—
Loans / Deposits
106.33%
Brokered %
17.81%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 106.3% (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 +10
79
Sub-score

Capital position is stable: Tier 1 RBC 11.69%, CET1 11.69%, leverage 10.25%.

Tier 1 RBC
11.69%
CET1
11.69%
Leverage
10.25%
No watch items at this period.

Asset Quality

WatchQoQ +2
50
Sub-score

Asset quality is deteriorating: Adjusted NPL 1.84%, Texas Ratio 9.3%, NCO YTD 4.79%.

Adjusted NPL
1.84%
Govt-guarantees stripped
Texas Ratio
9.3%
NCO YTD
4.79%
30-89 PD
1.78%
Band 0.3% / 3.0%
90+ PD
1.61%
Band 0.1% / 2.0%

Watch Items

  • watch90+ days past due elevated — 90+ PD 1.61%.
  • riskNet charge-offs elevated — NCO YTD 4.79% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 6.64% of loans, coverage 386.1%, true coverage 150.3%.

ALLL / Loans
6.64%
Coverage
386.1%
True Loss Coverage
150.3%
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 03:49:33 UTC