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Eaglebank

IDRSSD: 2652092
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2024-Q1QoQ -2

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

Quarterly Headline

2024-Q1

Bank #2652092 2024-Q1 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 48.9% of deposits (threshold 30%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 42.1% (Adjusted NPL + Performing Mods denominator).
  3. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.07% of loans.

What changed this quarter

Compared to Q4 2023:
↓ -2 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -7
  • Reserves
    ↑ +4

The five pillars

Liquidity

StableQoQ -3
60
Sub-score

Liquidity is stable: brokered 48.9%, loans/deposits 92.3%, cash 6.1% of assets.

Cash / Assets
6.11%
Loans / Deposits
92.33%
Brokered %
48.89%

Watch Items

  • riskBrokered deposits above 30% — Brokered 48.9% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.70%
No watch items at this period.

Capitalization

StrongQoQ 0
99
Sub-score

Capital position is strong: Tier 1 RBC 13.81%, CET1 13.81%, leverage 10.17%.

Tier 1 RBC
13.81%
CET1
13.81%
Leverage
10.17%
No watch items at this period.

Asset Quality

StrongQoQ -7
85
Sub-score

Asset quality is strong: Adjusted NPL 1.17%, Texas Ratio 6.5%, NCO YTD 1.07%.

Adjusted NPL
1.17%
Govt-guarantees stripped
Texas Ratio
6.5%
NCO YTD
1.07%
30-89 PD
0.40%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.07% of loans.

Reserves

WatchQoQ +4
44
Sub-score

Reserves are deteriorating: ALLL 1.25% of loans, coverage 108.4%, true coverage 42.1%.

ALLL / Loans
1.25%
Coverage
108.4%
True Loss Coverage
42.1%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 42.1% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-13 12:07:34 UTC