Visbanking Logo
Skip to main content

Exchange Bank And Trust Company

IDRSSD: 456755
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
80
/ 100
StrongAs of 2024-Q4QoQ +1

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 #456755 2024-Q4 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.63% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ 0
  • Reserves
    ↓ 0

The five pillars

Liquidity

StableQoQ +3
71
Sub-score

Liquidity is stable: brokered 12.8%, loans/deposits 78.5%, cash 2.6% of assets.

Cash / Assets
2.63%
Loans / Deposits
78.49%
Brokered %
12.83%

Watch Items

  • infoCash / Assets below 3% — Cash 2.63% 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

StrongQoQ +2
96
Sub-score

Capital position is strong: Tier 1 RBC 13.84%, CET1 13.84%, leverage 10.30%.

Tier 1 RBC
13.84%
CET1
13.84%
Leverage
10.30%
No watch items at this period.

Asset Quality

StableQoQ 0
77
Sub-score

Asset quality is stable: Adjusted NPL 1.81%, Texas Ratio 11.5%, NCO YTD 0.19%.

Adjusted NPL
1.81%
Govt-guarantees stripped
Texas Ratio
11.5%
NCO YTD
0.19%
30-89 PD
1.65%
Band 0.3% / 3.0%
90+ PD
0.32%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ 0
53
Sub-score

Reserves are deteriorating: ALLL 1.31% of loans, coverage 73.2%, true coverage 73.1%.

ALLL / Loans
1.31%
Coverage
73.2%
True Loss Coverage
73.1%
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: 2026-05-14 14:56:14 UTC