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IDRSSD: 30810
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
66
/ 100
StableAs of 2024-Q4QoQ +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-Q4

Bank #30810 2024-Q4 Vital Signs Score: 66/100 — 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
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 4.49% of loans.
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.77%.

What changed this quarter

Compared to Q3 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -1
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +4
70
Sub-score

Liquidity is stable: brokered 13.6%, loans/deposits 100.3%.

Cash / Assets
—
Loans / Deposits
100.30%
Brokered %
13.63%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.3% (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 +2
61
Sub-score

Capital position is stable: Tier 1 RBC 12.03%, CET1 0.00%, leverage 9.92%.

Tier 1 RBC
12.03%
CET1
0.00%
Leverage
9.92%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

WatchQoQ -1
47
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.04%, Texas Ratio 10.0%, NCO YTD 4.49%.

Adjusted NPL
2.04%
Govt-guarantees stripped
Texas Ratio
10.0%
NCO YTD
4.49%
30-89 PD
1.82%
Band 0.3% / 3.0%
90+ PD
1.77%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.04% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.77%.
  • riskNet charge-offs elevated — NCO YTD 4.49% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 6.87% of loans, coverage 362.2%, true coverage 126.8%.

ALLL / Loans
6.87%
Coverage
362.2%
True Loss Coverage
126.8%
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