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Ergo Bank

IDRSSD: 599643
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
66
/ 100
StableAs of 2024-Q4QoQ +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-Q4

Bank #599643 2024-Q4 Vital Signs Score: 66/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    ALLL / NPL below 50%
    Reserves — Coverage 42.5% (regulatory soft-warning level 50%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 42.5% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2024:
↑ +5 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↑ +5
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ +9
67
Sub-score

Liquidity is stable: brokered 12.2%, loans/deposits 92.2%, cash 4.0% of assets.

Cash / Assets
3.99%
Loans / Deposits
92.21%
Brokered %
12.15%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.82%
No watch items at this period.

Capitalization

WatchQoQ +5
52
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.26%, CET1 10.26%, leverage 8.29%.

Tier 1 RBC
10.26%
CET1
10.26%
Leverage
8.29%
No watch items at this period.

Asset Quality

StrongQoQ +5
87
Sub-score

Asset quality is strong: Adjusted NPL 1.91%, Texas Ratio 16.6%, NCO YTD 0.00%.

Adjusted NPL
1.91%
Govt-guarantees stripped
Texas Ratio
16.6%
NCO YTD
0.00%
30-89 PD
0.13%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +2
16
Sub-score

Reserves are weak: ALLL 0.81% of loans, coverage 42.5%, true coverage 42.5%.

ALLL / Loans
0.81%
Coverage
42.5%
True Loss Coverage
42.5%

Watch Items

  • infoALLL / NPL below 50% — Coverage 42.5% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 42.5% (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: 2026-05-12 00:43:16 UTC