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Emigrant Bank

IDRSSD: 137915
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2023-Q4QoQ -27

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #137915 2023-Q4 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.55% (govt-guarantees stripped).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 28.5% (Adjusted NPL + Performing Mods denominator).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 28.6% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2023:
↓ -27 ptscomposite
  • Liquidity
    ↓ -18
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -55
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -18
75
Sub-score

Liquidity is stable: brokered 4.0%, loans/deposits 98.3%, cash 6.3% of assets.

Cash / Assets
6.31%
Loans / Deposits
98.28%
Brokered %
4.04%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.71%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 20.56%, CET1 20.56%, leverage 21.64%.

Tier 1 RBC
20.56%
CET1
20.56%
Leverage
21.64%
No watch items at this period.

Asset Quality

WatchQoQ -55
45
Sub-score

Asset quality is deteriorating: Adjusted NPL 5.55%, Texas Ratio 18.1%, NCO YTD 1.98%.

Adjusted NPL
5.55%
Govt-guarantees stripped
Texas Ratio
18.1%
NCO YTD
1.98%
30-89 PD
0.15%
Band 0.3% / 3.0%
90+ PD
0.50%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.55% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 1.98% of loans.

Reserves

Risk
33
Sub-score

Reserves are weak: ALLL 1.56% of loans, coverage 28.6%, true coverage 28.5%.

ALLL / Loans
1.56%
Coverage
28.6%
True Loss Coverage
28.5%

Watch Items

  • watchALLL / NPL below 50% — Coverage 28.6% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 28.5% (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: 2026-05-14 02:37:46 UTC