Visbanking Logo
Skip to main content

Enterprise Bank

IDRSSD: 2730431
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
60
/ 100
WatchAs 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 #2730431 2024-Q1 Vital Signs Score: 60/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 15.5% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 16.4% (regulatory soft-warning level 50%).
  3. watch
    Brokered deposits above 30%
    Liquidity — Brokered 42.4% of deposits (threshold 30%).

What changed this quarter

Compared to Q4 2023:
↓ -5 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -21
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ 0
64
Sub-score

Liquidity is stable: brokered 42.4%, loans/deposits 101.5%, cash 15.5% of assets.

Cash / Assets
15.47%
Loans / Deposits
101.54%
Brokered %
42.40%

Watch Items

  • watchBrokered deposits above 30% — Brokered 42.4% of deposits (threshold 30%).
  • infoLoans / Deposits above 100% — Loans/Deposits 101.5% (threshold 100%).

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

StableQoQ +1
70
Sub-score

Capital position is stable: Tier 1 RBC 11.31%, CET1 11.31%, leverage 8.38%.

Tier 1 RBC
11.31%
CET1
11.31%
Leverage
8.38%
No watch items at this period.

Asset Quality

WatchQoQ -21
58
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.94%, Texas Ratio 25.9%, NCO YTD 0.00%.

Adjusted NPL
2.94%
Govt-guarantees stripped
Texas Ratio
25.9%
NCO YTD
0.00%
30-89 PD
6.03%
Band 0.3% / 3.0%
90+ PD
0.29%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.94% (govt-guarantees stripped).

Reserves

Risk
0
Sub-score

Reserves are weak: ALLL 0.48% of loans, coverage 16.4%, true coverage 15.5%.

ALLL / Loans
0.48%
Coverage
16.4%
True Loss Coverage
15.5%

Watch Items

  • riskALLL / NPL below 50% — Coverage 16.4% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 15.5% (Adjusted NPL + Performing Mods denominator).
  • watchALLL / Loans below 0.75% — ALLL 0.48% of loans.

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 12:11:07 UTC