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Eaglemark Savings Bank

IDRSSD: 2605566
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
73
/ 100
StableAs of 2024-Q4QoQ 0

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 #2605566 2024-Q4 Vital Signs Score: 73/100 — 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. risk
    Brokered deposits above 30%
    Liquidity — Brokered 99.5% of deposits (threshold 30%).
  2. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 117.1% (threshold 100%).
  3. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.02% of loans.

What changed this quarter

Compared to Q3 2024:
↓ 0 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -1
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ 0
44
Sub-score

Liquidity is deteriorating: brokered 99.5%, loans/deposits 117.1%, cash 2.8% of assets.

Cash / Assets
2.80%
Loans / Deposits
117.10%
Brokered %
99.48%

Watch Items

  • riskBrokered deposits above 30% — Brokered 99.5% of deposits (threshold 30%).
  • riskLoans / Deposits above 100% — Loans/Deposits 117.1% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.80% 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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 18.82%, CET1 18.82%, leverage 17.60%.

Tier 1 RBC
18.82%
CET1
18.82%
Leverage
17.60%
No watch items at this period.

Asset Quality

StrongQoQ -1
97
Sub-score

Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD 0.00%.

Adjusted NPL
0.00%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
0.00%
30-89 PD
0.79%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Risk
0
Sub-score

Reserves are weak: ALLL 0.02% of loans.

ALLL / Loans
0.02%
Coverage
—
True Loss Coverage
—

Watch Items

  • riskALLL / Loans below 0.75% — ALLL 0.02% of loans.

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 11:51:55 UTC