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Earlham Savings Bank

IDRSSD: 645540
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
98
/ 100
StrongAs of 2024-Q4QoQ +1

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 #645540 2024-Q4 Vital Signs Score: 98/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Capitalization (strong).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2024:
↑ +1 ptscomposite
  • Liquidity
    — —
  • Securities
    ↑ +9
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -3
  • Reserves
    — —

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 61.6%, cash 15.2% of assets.

Cash / Assets
15.23%
Loans / Deposits
61.58%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ +9
100
Sub-score

Securities profile is strong: securities 17.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
17.09%
No watch items at this period.

Capitalization

StrongQoQ 0
95
Sub-score

Capital position is strong: Tier 1 RBC 16.29%, CET1 16.29%, leverage 8.70%.

Tier 1 RBC
16.29%
CET1
16.29%
Leverage
8.70%
No watch items at this period.

Asset Quality

StrongQoQ -3
97
Sub-score

Asset quality is strong: Adjusted NPL 0.02%, Texas Ratio 0.1%, NCO YTD -0.13%.

Adjusted NPL
0.02%
Govt-guarantees stripped
Texas Ratio
0.1%
NCO YTD
-0.13%
30-89 PD
0.83%
Band 0.3% / 3.0%
90+ PD
0.02%
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 8907.7%, true coverage 8907.7%.

ALLL / Loans
1.68%
Coverage
8907.7%
True Loss Coverage
8907.7%
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: 2026-05-14 06:00:41 UTC