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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
62
/ 100
StableAs of 2024-Q4QoQ 0

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 #3664588 2024-Q4 Vital Signs Score: 62/100 — 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. info
    Brokered deposits above 30%
    Liquidity — Brokered 32.4% of deposits (threshold 30%).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.7% (threshold 100%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.18% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↓ 0 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -6
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ 0
64
Sub-score

Liquidity is stable: brokered 32.4%, loans/deposits 101.7%, cash 15.3% of assets.

Cash / Assets
15.33%
Loans / Deposits
101.67%
Brokered %
32.38%

Watch Items

  • infoBrokered deposits above 30% — Brokered 32.4% of deposits (threshold 30%).
  • infoLoans / Deposits above 100% — Loans/Deposits 101.7% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.19%
No watch items at this period.

Capitalization

RiskQoQ +4
36
Sub-score

Capital position is weak: Tier 1 RBC 9.44%, CET1 9.44%, leverage 6.05%.

Tier 1 RBC
9.44%
CET1
9.44%
Leverage
6.05%
No watch items at this period.

Asset Quality

StrongQoQ -6
80
Sub-score

Asset quality is strong: Adjusted NPL 2.18%, Texas Ratio 21.5%, NCO YTD 0.15%.

Adjusted NPL
2.18%
Govt-guarantees stripped
Texas Ratio
21.5%
NCO YTD
0.15%
30-89 PD
0.78%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.18% (govt-guarantees stripped).

Reserves

RiskQoQ +1
37
Sub-score

Reserves are weak: ALLL 1.20% of loans, coverage 55.6%, true coverage 55.6%.

ALLL / Loans
1.20%
Coverage
55.6%
True Loss Coverage
55.6%
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