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Federated Bank

IDRSSD: 640143
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2024-Q2QoQ +9

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

Quarterly Headline

2024-Q2

Bank #640143 2024-Q2 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.14% of loans.

What changed this quarter

Compared to Q1 2024:
↑ +9 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +49

The five pillars

Liquidity

StrongQoQ +1
92
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 52.9%, cash 6.4% of assets.

Cash / Assets
6.42%
Loans / Deposits
52.90%
Brokered %
0.00%
No watch items at this period.

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 +3
94
Sub-score

Capital position is strong: Tier 1 RBC 16.34%, CET1 16.34%, leverage 8.61%.

Tier 1 RBC
16.34%
CET1
16.34%
Leverage
8.61%
No watch items at this period.

Asset Quality

StableQoQ +1
79
Sub-score

Asset quality is stable: Adjusted NPL 0.38%, Texas Ratio 1.8%, NCO YTD 1.14%.

Adjusted NPL
0.38%
Govt-guarantees stripped
Texas Ratio
1.8%
NCO YTD
1.14%
30-89 PD
2.01%
Band 0.3% / 3.0%
90+ PD
0.22%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.14% of loans.

Reserves

StrongQoQ +49
85
Sub-score

Reserves are strong: ALLL 1.04% of loans, coverage 276.4%, true coverage 276.4%.

ALLL / Loans
1.04%
Coverage
276.4%
True Loss Coverage
276.4%
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: 2026-05-12 01:15:43 UTC