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Drake Bank

IDRSSD: 3090833
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
67
/ 100
StableAs of 2024-Q4QoQ -9

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 #3090833 2024-Q4 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.78% of assets (threshold 3%).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.3% (threshold 100%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.14% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↓ -9 ptscomposite
  • Liquidity
    ↓ -27
  • Securities
    — —
  • Capitalization
    ↑ +22
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -53

The five pillars

Liquidity

WatchQoQ -27
56
Sub-score

Liquidity is deteriorating: brokered 15.6%, loans/deposits 100.3%, cash 1.8% of assets.

Cash / Assets
1.78%
Loans / Deposits
100.27%
Brokered %
15.60%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.3% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.78% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.00%
No watch items at this period.

Capitalization

StableQoQ +22
61
Sub-score

Capital position is stable: Tier 1 RBC 10.70%, CET1 10.70%, leverage 8.95%.

Tier 1 RBC
10.70%
CET1
10.70%
Leverage
8.95%
No watch items at this period.

Asset Quality

StableQoQ -6
77
Sub-score

Asset quality is stable: Adjusted NPL 2.14%, Texas Ratio 17.8%, NCO YTD 0.26%.

Adjusted NPL
2.14%
Govt-guarantees stripped
Texas Ratio
17.8%
NCO YTD
0.26%
30-89 PD
0.02%
Band 0.3% / 3.0%
90+ PD
0.78%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.14% (govt-guarantees stripped).

Reserves

WatchQoQ -53
43
Sub-score

Reserves are deteriorating: ALLL 1.28% of loans, coverage 60.5%, true coverage 60.5%.

ALLL / Loans
1.28%
Coverage
60.5%
True Loss Coverage
60.5%
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: 2026-05-14 03:58:07 UTC