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Eastern Connecticut Savings Bank

IDRSSD: 939070
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
67
/ 100
StableAs of 2024-Q3QoQ 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-Q3

Bank #939070 2024-Q3 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / NPL below 50%
    Reserves — Coverage 38.1% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 38.1% (Adjusted NPL + Performing Mods denominator).
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.70% of loans.

What changed this quarter

Compared to Q2 2024:
↑ 0 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ 0
  • Reserves
    ↓ -2

The five pillars

Liquidity

StrongQoQ -1
81
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 97.3%, cash 7.4% of assets.

Cash / Assets
7.41%
Loans / Deposits
97.34%
Brokered %
0.00%
No watch items at this period.

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

WatchQoQ +2
51
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.62%, CET1 10.62%, leverage 7.11%.

Tier 1 RBC
10.62%
CET1
10.62%
Leverage
7.11%
No watch items at this period.

Asset Quality

StrongQoQ 0
86
Sub-score

Asset quality is strong: Adjusted NPL 1.85%, Texas Ratio 20.8%, NCO YTD 0.01%.

Adjusted NPL
1.85%
Govt-guarantees stripped
Texas Ratio
20.8%
NCO YTD
0.01%
30-89 PD
0.38%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -2
11
Sub-score

Reserves are weak: ALLL 0.70% of loans, coverage 38.1%, true coverage 38.1%.

ALLL / Loans
0.70%
Coverage
38.1%
True Loss Coverage
38.1%

Watch Items

  • watchALLL / NPL below 50% — Coverage 38.1% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 38.1% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.70% 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: 2026-05-15 09:30:51 UTC