Visbanking Logo
Skip to main content

Everett Co Operative Bank

IDRSSD: 952172
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
90
/ 100
StrongAs of 2024-Q3QoQ 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-Q3

Bank #952172 2024-Q3 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 116.2% (threshold 100%).

What changed this quarter

Compared to Q2 2024:
↑ 0 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    — —
  • Reserves
    ↓ 0

The five pillars

Liquidity

StableQoQ +1
69
Sub-score

Liquidity is stable: brokered 13.1%, loans/deposits 116.2%, cash 8.8% of assets.

Cash / Assets
8.83%
Loans / Deposits
116.16%
Brokered %
13.07%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 116.2% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.69%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.72%, CET1 15.72%, leverage 10.67%.

Tier 1 RBC
15.72%
CET1
15.72%
Leverage
10.67%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.10%, Texas Ratio 0.7%, NCO YTD 0.00%.

Adjusted NPL
0.10%
Govt-guarantees stripped
Texas Ratio
0.7%
NCO YTD
0.00%
30-89 PD
0.17%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ 0
77
Sub-score

Reserves are stable: ALLL 0.81% of loans, coverage 825.9%, true coverage 825.9%.

ALLL / Loans
0.81%
Coverage
825.9%
True Loss Coverage
825.9%
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 04:02:21 UTC