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Eastern National Bank

IDRSSD: 171133
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
71
/ 100
StableAs of 2024-Q3QoQ -6

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 #171133 2024-Q3 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 26.9% (Adjusted NPL + Performing Mods denominator).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.91% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↓ -6 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -27
  • Asset Quality
    ↑ +4
  • Reserves
    ↓ -3

The five pillars

Liquidity

StrongQoQ -2
96
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 75.7%.

Cash / Assets
—
Loans / Deposits
75.70%
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 -27
54
Sub-score

Capital position is deteriorating: Tier 1 RBC 12.54%, CET1 0.00%, leverage 8.06%.

Tier 1 RBC
12.54%
CET1
0.00%
Leverage
8.06%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ +4
74
Sub-score

Asset quality is stable: Adjusted NPL 2.91%, Texas Ratio 20.6%, NCO YTD -0.16%.

Adjusted NPL
2.91%
Govt-guarantees stripped
Texas Ratio
20.6%
NCO YTD
-0.16%
30-89 PD
0.85%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.91% (govt-guarantees stripped).

Reserves

RiskQoQ -3
34
Sub-score

Reserves are weak: ALLL 1.58% of loans, coverage 55.1%, true coverage 26.9%.

ALLL / Loans
1.58%
Coverage
55.1%
True Loss Coverage
26.9%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 26.9% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-12 21:39:53 UTC