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Emigrant Bank

IDRSSD: 137915
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
76
/ 100
StableAs of 2024-Q1QoQ +5

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 #137915 2024-Q1 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.14% (govt-guarantees stripped).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 30.9% (Adjusted NPL + Performing Mods denominator).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 31.0% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2023:
↑ +5 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +20
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ 0
75
Sub-score

Liquidity is stable: brokered 3.9%, loans/deposits 98.9%, cash 6.3% of assets.

Cash / Assets
6.28%
Loans / Deposits
98.86%
Brokered %
3.90%
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
2.73%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 20.51%, CET1 20.51%, leverage 22.51%.

Tier 1 RBC
20.51%
CET1
20.51%
Leverage
22.51%
No watch items at this period.

Asset Quality

StableQoQ +20
65
Sub-score

Asset quality is stable: Adjusted NPL 5.14%, Texas Ratio 16.6%, NCO YTD -0.01%.

Adjusted NPL
5.14%
Govt-guarantees stripped
Texas Ratio
16.6%
NCO YTD
-0.01%
30-89 PD
0.22%
Band 0.3% / 3.0%
90+ PD
0.10%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.14% (govt-guarantees stripped).

Reserves

RiskQoQ 0
34
Sub-score

Reserves are weak: ALLL 1.57% of loans, coverage 31.0%, true coverage 30.9%.

ALLL / Loans
1.57%
Coverage
31.0%
True Loss Coverage
30.9%

Watch Items

  • watchALLL / NPL below 50% — Coverage 31.0% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 30.9% (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: 2026-05-14 02:37:46 UTC