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Fieldpoint Private Bank And Trust

IDRSSD: 3664588
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2024-Q1QoQ -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-Q1

Bank #3664588 2024-Q1 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 118.8% (threshold 100%).
  2. risk
    Brokered deposits above 30%
    Liquidity — Brokered 48.0% of deposits (threshold 30%).

What changed this quarter

Compared to Q4 2023:
↓ -1 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +6
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -9

The five pillars

Liquidity

StableQoQ 0
60
Sub-score

Liquidity is stable: brokered 48.0%, loans/deposits 118.8%, cash 10.1% of assets.

Cash / Assets
10.10%
Loans / Deposits
118.82%
Brokered %
48.03%

Watch Items

  • riskBrokered deposits above 30% — Brokered 48.0% of deposits (threshold 30%).
  • riskLoans / Deposits above 100% — Loans/Deposits 118.8% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.76%
No watch items at this period.

Capitalization

WatchQoQ +6
52
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.32%, CET1 10.30%, leverage 6.90%.

Tier 1 RBC
10.32%
CET1
10.30%
Leverage
6.90%
No watch items at this period.

Asset Quality

StrongQoQ -4
92
Sub-score

Asset quality is strong: Adjusted NPL 1.06%, Texas Ratio 9.8%, NCO YTD 0.08%.

Adjusted NPL
1.06%
Govt-guarantees stripped
Texas Ratio
9.8%
NCO YTD
0.08%
30-89 PD
0.62%
Band 0.3% / 3.0%
90+ PD
0.17%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -9
72
Sub-score

Reserves are stable: ALLL 1.21% of loans, coverage 115.7%, true coverage 115.7%.

ALLL / Loans
1.21%
Coverage
115.7%
True Loss Coverage
115.7%
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: 2026-05-14 10:31:06 UTC