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Eaglebank

IDRSSD: 2652092
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
77
/ 100
StableAs of 2024-Q4QoQ -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-Q4

Bank #2652092 2024-Q4 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 24.2% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Brokered deposits above 30%
    Liquidity — Brokered 43.9% of deposits (threshold 30%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.67% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -5

The five pillars

Liquidity

StableQoQ +4
63
Sub-score

Liquidity is stable: brokered 43.9%, loans/deposits 85.4%, cash 5.7% of assets.

Cash / Assets
5.69%
Loans / Deposits
85.43%
Brokered %
43.92%

Watch Items

  • watchBrokered deposits above 30% — Brokered 43.9% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.31%
No watch items at this period.

Capitalization

StrongQoQ +1
100
Sub-score

Capital position is strong: Tier 1 RBC 14.77%, CET1 14.77%, leverage 10.82%.

Tier 1 RBC
14.77%
CET1
14.77%
Leverage
10.82%
No watch items at this period.

Asset Quality

StableQoQ -8
77
Sub-score

Asset quality is stable: Adjusted NPL 2.67%, Texas Ratio 14.0%, NCO YTD 0.48%.

Adjusted NPL
2.67%
Govt-guarantees stripped
Texas Ratio
14.0%
NCO YTD
0.48%
30-89 PD
0.34%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.67% (govt-guarantees stripped).

Reserves

RiskQoQ -5
32
Sub-score

Reserves are weak: ALLL 1.44% of loans, coverage 54.8%, true coverage 24.2%.

ALLL / Loans
1.44%
Coverage
54.8%
True Loss Coverage
24.2%

Watch Items

  • riskTrue Loss Coverage Ratio below 50% — True coverage 24.2% (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