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Encore Bank

IDRSSD: 2594240
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
79
/ 100
StableAs of 2024-Q4QoQ 0

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 #2594240 2024-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.86% of assets (threshold 3%).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 102.6% (threshold 100%).

What changed this quarter

Compared to Q3 2024:
↑ 0 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -1

The five pillars

Liquidity

WatchQoQ -2
56
Sub-score

Liquidity is deteriorating: brokered 15.0%, loans/deposits 102.6%, cash 1.9% of assets.

Cash / Assets
1.86%
Loans / Deposits
102.63%
Brokered %
14.97%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 102.6% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.86% of assets (threshold 3%).

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 +5
56
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.36%, CET1 10.36%, leverage 8.78%.

Tier 1 RBC
10.36%
CET1
10.36%
Leverage
8.78%
No watch items at this period.

Asset Quality

StrongQoQ -2
98
Sub-score

Asset quality is strong: Adjusted NPL 0.23%, Texas Ratio 1.9%, NCO YTD 0.28%.

Adjusted NPL
0.23%
Govt-guarantees stripped
Texas Ratio
1.9%
NCO YTD
0.28%
30-89 PD
0.37%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -1
97
Sub-score

Reserves are strong: ALLL 1.40% of loans, coverage 612.7%, true coverage 612.7%.

ALLL / Loans
1.40%
Coverage
612.7%
True Loss Coverage
612.7%
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.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: 2026-05-13 12:00:56 UTC