Liquidity
StrongQoQ +4
90
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 46.1%, cash 5.5% of assets.
- Cash / Assets
- 5.53%
- Loans / Deposits
- 46.11%
- 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-Q4
Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
91
/ 100
StrongAs of 2024-Q4QoQ +4
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 #643340 2024-Q4 Vital Signs Score: 91/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (stable).
Liquidity:Strong
Securities:Stable
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:
↑ +4 ptscomposite
- Liquidity↑ +4
- Securities↑ +4
- Capitalization↑ +10
- Asset Quality↑ 0
- Reserves↓ -1
The five pillars
Securities
StableQoQ +4
78
Sub-score
Securities profile is stable: securities 26.7% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 26.73%
SVB watch metric
No watch items at this period.
Capitalization
StrongQoQ +10
100
Sub-score
Capital position is strong: Tier 1 RBC 15.13%, CET1 15.13%, leverage 10.16%.
- Tier 1 RBC
- 15.13%
- CET1
- 15.13%
- Leverage
- 10.16%
No watch items at this period.
Asset Quality
StrongQoQ 0
96
Sub-score
Asset quality is strong: Adjusted NPL 0.88%, Texas Ratio 3.4%, NCO YTD -0.14%.
- Adjusted NPL
- 0.88%
- Texas Ratio
- 3.4%
- NCO YTD
- -0.14%
- 30-89 PD
- 0.24%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ -1
80
Sub-score
Reserves are strong: ALLL 1.27% of loans, coverage 146.1%, true coverage 128.8%.
- ALLL / Loans
- 1.27%
- Coverage
- 146.1%
- True Loss Coverage
- 128.8%
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