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Essa Bank And Trust

IDRSSD: 952677
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
84
/ 100
StrongAs 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 #952677 2024-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 102.7% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.28% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↑ 0 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ +3

The five pillars

Liquidity

WatchQoQ 0
54
Sub-score

Liquidity is deteriorating: brokered 18.6%, loans/deposits 102.7%, cash 2.3% of assets.

Cash / Assets
2.28%
Loans / Deposits
102.68%
Brokered %
18.65%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 102.7% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.28% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.11%
No watch items at this period.

Capitalization

StrongQoQ +2
93
Sub-score

Capital position is strong: Tier 1 RBC 13.53%, CET1 13.53%, leverage 9.98%.

Tier 1 RBC
13.53%
CET1
13.53%
Leverage
9.98%
No watch items at this period.

Asset Quality

StrongQoQ -3
96
Sub-score

Asset quality is strong: Adjusted NPL 0.48%, Texas Ratio 3.6%, NCO YTD -0.01%.

Adjusted NPL
0.48%
Govt-guarantees stripped
Texas Ratio
3.6%
NCO YTD
-0.01%
30-89 PD
0.91%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +3
73
Sub-score

Reserves are stable: ALLL 0.85% of loans, coverage 177.2%, true coverage 133.7%.

ALLL / Loans
0.85%
Coverage
177.2%
True Loss Coverage
133.7%
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: 2026-05-15 14:46:09 UTC