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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-Q2

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

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2024-Q2QoQ -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-Q2

Bank #3664588 2024-Q2 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (risk).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 103.0% (threshold 100%).
  2. info
    Brokered deposits above 30%
    Liquidity — Brokered 30.2% of deposits (threshold 30%).

What changed this quarter

Compared to Q1 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -15
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +17

The five pillars

Liquidity

StableQoQ +3
63
Sub-score

Liquidity is stable: brokered 30.2%, loans/deposits 103.0%, cash 13.7% of assets.

Cash / Assets
13.74%
Loans / Deposits
103.03%
Brokered %
30.21%

Watch Items

  • infoBrokered deposits above 30% — Brokered 30.2% of deposits (threshold 30%).
  • infoLoans / Deposits above 100% — Loans/Deposits 103.0% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.44%
No watch items at this period.

Capitalization

RiskQoQ -15
37
Sub-score

Capital position is weak: Tier 1 RBC 9.48%, CET1 9.47%, leverage 6.29%.

Tier 1 RBC
9.48%
CET1
9.47%
Leverage
6.29%
No watch items at this period.

Asset Quality

StrongQoQ -1
92
Sub-score

Asset quality is strong: Adjusted NPL 0.27%, Texas Ratio 2.6%, NCO YTD 0.57%.

Adjusted NPL
0.27%
Govt-guarantees stripped
Texas Ratio
2.6%
NCO YTD
0.57%
30-89 PD
0.90%
Band 0.3% / 3.0%
90+ PD
0.16%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +17
89
Sub-score

Reserves are strong: ALLL 1.17% of loans, coverage 439.1%, true coverage 439.1%.

ALLL / Loans
1.17%
Coverage
439.1%
True Loss Coverage
439.1%
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 10:31:06 UTC