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Eaglebank

IDRSSD: 2652092
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
78
/ 100
StableAs of 2024-Q3QoQ -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-Q3

Bank #2652092 2024-Q3 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 30.2% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Brokered deposits above 30%
    Liquidity — Brokered 42.4% of deposits (threshold 30%).

What changed this quarter

Compared to Q2 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -7

The five pillars

Liquidity

WatchQoQ +3
59
Sub-score

Liquidity is deteriorating: brokered 42.4%, loans/deposits 91.7%, cash 5.4% of assets.

Cash / Assets
5.35%
Loans / Deposits
91.72%
Brokered %
42.39%

Watch Items

  • watchBrokered deposits above 30% — Brokered 42.4% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.62%
No watch items at this period.

Capitalization

StrongQoQ +2
99
Sub-score

Capital position is strong: Tier 1 RBC 14.38%, CET1 14.38%, leverage 10.81%.

Tier 1 RBC
14.38%
CET1
14.38%
Leverage
10.81%
No watch items at this period.

Asset Quality

StrongQoQ -8
86
Sub-score

Asset quality is strong: Adjusted NPL 1.71%, Texas Ratio 9.2%, NCO YTD 0.27%.

Adjusted NPL
1.71%
Govt-guarantees stripped
Texas Ratio
9.2%
NCO YTD
0.27%
30-89 PD
0.71%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -7
38
Sub-score

Reserves are weak: ALLL 1.40% of loans, coverage 83.2%, true coverage 30.2%.

ALLL / Loans
1.40%
Coverage
83.2%
True Loss Coverage
30.2%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 30.2% (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