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Dream First Bank National Association

IDRSSD: 543459
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2024-Q3QoQ -4

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

Quarterly Headline

2024-Q3

Bank #543459 2024-Q3 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.53% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↓ -4 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ -9
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -2
60
Sub-score

Liquidity is deteriorating: brokered 20.5%, loans/deposits 86.0%, cash 1.5% of assets.

Cash / Assets
1.53%
Loans / Deposits
85.95%
Brokered %
20.51%

Watch Items

  • watchCash / Assets below 3% — Cash 1.53% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StableQoQ -5
74
Sub-score

Capital position is stable: Tier 1 RBC 11.56%, CET1 11.56%, leverage 9.80%.

Tier 1 RBC
11.56%
CET1
11.56%
Leverage
9.80%
No watch items at this period.

Asset Quality

StrongQoQ -9
83
Sub-score

Asset quality is strong: Adjusted NPL 0.78%, Texas Ratio 5.5%, NCO YTD -0.04%.

Adjusted NPL
0.78%
Govt-guarantees stripped
Texas Ratio
5.5%
NCO YTD
-0.04%
30-89 PD
2.57%
Band 0.3% / 3.0%
90+ PD
0.08%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 1.68% of loans, coverage 218.8%, true coverage 218.8%.

ALLL / Loans
1.68%
Coverage
218.8%
True Loss Coverage
218.8%
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 07:44:27 UTC