Liquidity
StrongQoQ +6
96
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 44.4%, cash 8.1% of assets.
- Cash / Assets
- 8.12%
- Loans / Deposits
- 44.40%
- Brokered %
- 0.00%
No watch items at this period.
Eastern Michigan Bank
IDRSSD: 643340
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2024-Q1
Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
88
/ 100
StrongAs of 2024-Q1QoQ +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-Q1
Bank #643340 2024-Q1 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (stable).
Liquidity:Strong
Securities:Stable
Capitalization:Strong
Asset Quality:Strong
Reserves:Stable
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q4 2023:
↑ +1 ptscomposite
- Liquidity↑ +6
- Securities↓ -1
- Capitalization↓ -1
- Asset Quality↑ 0
- Reserves↑ +1
The five pillars
Securities
StableQoQ -1
78
Sub-score
Securities profile is stable: securities 26.5% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 26.50%
SVB watch metric
No watch items at this period.
Capitalization
StrongQoQ -1
87
Sub-score
Capital position is strong: Tier 1 RBC 12.98%, CET1 12.98%, leverage 8.55%.
- Tier 1 RBC
- 12.98%
- CET1
- 12.98%
- Leverage
- 8.55%
No watch items at this period.
Asset Quality
StrongQoQ 0
96
Sub-score
Asset quality is strong: Adjusted NPL 0.95%, Texas Ratio 3.8%, NCO YTD -0.03%.
- Adjusted NPL
- 0.95%
- Texas Ratio
- 3.8%
- NCO YTD
- -0.03%
- 30-89 PD
- 0.16%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StableQoQ +1
75
Sub-score
Reserves are stable: ALLL 1.22% of loans, coverage 129.9%, true coverage 114.1%.
- ALLL / Loans
- 1.22%
- Coverage
- 129.9%
- True Loss Coverage
- 114.1%
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.tsfor 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 01:10:35 UTC