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Evabank

IDRSSD: 498531
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2023-Q4QoQ -10

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #498531 2023-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. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 123.2% (threshold 100%).
  2. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.89% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↓ -10 ptscomposite
  • Liquidity
    ↓ -18
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -12
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -18
59
Sub-score

Liquidity is deteriorating: brokered 2.1%, loans/deposits 123.2%, cash 0.9% of assets.

Cash / Assets
0.89%
Loans / Deposits
123.24%
Brokered %
2.11%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 123.2% (threshold 100%).
  • riskCash / Assets below 3% — Cash 0.89% 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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 36.82%, CET1 36.82%, leverage 29.09%.

Tier 1 RBC
36.82%
CET1
36.82%
Leverage
29.09%
No watch items at this period.

Asset Quality

StrongQoQ -12
88
Sub-score

Asset quality is strong: Adjusted NPL 1.67%, Texas Ratio 4.4%, NCO YTD 0.09%.

Adjusted NPL
1.67%
Govt-guarantees stripped
Texas Ratio
4.4%
NCO YTD
0.09%
30-89 PD
0.56%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
68
Sub-score

Reserves are stable: ALLL 2.25% of loans, coverage 138.3%, true coverage 61.4%.

ALLL / Loans
2.25%
Coverage
138.3%
True Loss Coverage
61.4%
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 04:12:36 UTC