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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-Q3

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

Synthesis

Vital Signs Score
63
/ 100
StableAs of 2024-Q3QoQ -11

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 #3664588 2024-Q3 Vital Signs Score: 63/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (risk).

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

Top 3 Watch Items

  1. watch
    Brokered deposits above 30%
    Liquidity — Brokered 37.3% of deposits (threshold 30%).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.5% (threshold 100%).

What changed this quarter

Compared to Q2 2024:
↓ -11 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -53

The five pillars

Liquidity

StableQoQ +1
64
Sub-score

Liquidity is stable: brokered 37.3%, loans/deposits 101.5%, cash 14.5% of assets.

Cash / Assets
14.46%
Loans / Deposits
101.50%
Brokered %
37.31%

Watch Items

  • watchBrokered deposits above 30% — Brokered 37.3% of deposits (threshold 30%).
  • infoLoans / Deposits above 100% — Loans/Deposits 101.5% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.09%
No watch items at this period.

Capitalization

RiskQoQ -5
32
Sub-score

Capital position is weak: Tier 1 RBC 9.13%, CET1 9.11%, leverage 6.01%.

Tier 1 RBC
9.13%
CET1
9.11%
Leverage
6.01%
No watch items at this period.

Asset Quality

StrongQoQ -6
86
Sub-score

Asset quality is strong: Adjusted NPL 1.90%, Texas Ratio 19.0%, NCO YTD 0.00%.

Adjusted NPL
1.90%
Govt-guarantees stripped
Texas Ratio
19.0%
NCO YTD
0.00%
30-89 PD
0.11%
Band 0.3% / 3.0%
90+ PD
0.18%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -53
36
Sub-score

Reserves are weak: ALLL 1.11% of loans, coverage 58.9%, true coverage 58.9%.

ALLL / Loans
1.11%
Coverage
58.9%
True Loss Coverage
58.9%
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: 2026-05-14 10:31:06 UTC