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Foresight Bank

IDRSSD: 755458
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
80
/ 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 #755458 2024-Q1 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 29.0% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 105.8% (threshold 100%).
  3. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.22% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↓ -1 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    ↑ +9
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -8

The five pillars

Liquidity

StableQoQ -6
61
Sub-score

Liquidity is stable: brokered 2.5%, loans/deposits 105.8%, cash 1.2% of assets.

Cash / Assets
1.22%
Loans / Deposits
105.81%
Brokered %
2.53%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 105.8% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.22% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.27%
No watch items at this period.

Capitalization

StrongQoQ +9
95
Sub-score

Capital position is strong: Tier 1 RBC 13.66%, CET1 13.66%, leverage 9.45%.

Tier 1 RBC
13.66%
CET1
13.66%
Leverage
9.45%
No watch items at this period.

Asset Quality

StrongQoQ -3
96
Sub-score

Asset quality is strong: Adjusted NPL 0.43%, Texas Ratio 3.6%, NCO YTD 0.00%.

Adjusted NPL
0.43%
Govt-guarantees stripped
Texas Ratio
3.6%
NCO YTD
0.00%
30-89 PD
0.94%
Band 0.3% / 3.0%
90+ PD
0.08%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -8
31
Sub-score

Reserves are weak: ALLL 0.69% of loans, coverage 161.8%, true coverage 29.0%.

ALLL / Loans
0.69%
Coverage
161.8%
True Loss Coverage
29.0%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 29.0% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.69% of loans.

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 01:17:44 UTC