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Flint Community Bank

IDRSSD: 3341393
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
76
/ 100
StableAs of 2024-Q3QoQ +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-Q3

Bank #3341393 2024-Q3 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.03% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↑ +1 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↓ 0
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ -3
79
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 98.9%, cash 7.2% of assets.

Cash / Assets
7.20%
Loans / Deposits
98.90%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.29%
No watch items at this period.

Capitalization

StableQoQ +5
71
Sub-score

Capital position is stable: Tier 1 RBC 11.59%, CET1 11.59%, leverage 8.90%.

Tier 1 RBC
11.59%
CET1
11.59%
Leverage
8.90%
No watch items at this period.

Asset Quality

StrongQoQ 0
85
Sub-score

Asset quality is strong: Adjusted NPL 2.03%, Texas Ratio 16.9%, NCO YTD 0.01%.

Adjusted NPL
2.03%
Govt-guarantees stripped
Texas Ratio
16.9%
NCO YTD
0.01%
30-89 PD
0.37%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.03% (govt-guarantees stripped).

Reserves

WatchQoQ 0
44
Sub-score

Reserves are deteriorating: ALLL 1.28% of loans, coverage 64.2%, true coverage 61.3%.

ALLL / Loans
1.28%
Coverage
64.2%
True Loss Coverage
61.3%
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 06:23:09 UTC