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Foresight Bank

IDRSSD: 755458
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
75
/ 100
StableAs of 2024-Q2QoQ -5

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 #755458 2024-Q2 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 28.5% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.32% of assets (threshold 3%).
  3. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 104.3% (threshold 100%).

What changed this quarter

Compared to Q1 2024:
↓ -5 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -23
  • Asset Quality
    ↑ +3
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ 0
61
Sub-score

Liquidity is stable: brokered 4.5%, loans/deposits 104.3%, cash 1.3% of assets.

Cash / Assets
1.32%
Loans / Deposits
104.32%
Brokered %
4.48%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 104.3% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.32% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.23%
No watch items at this period.

Capitalization

StableQoQ -23
73
Sub-score

Capital position is stable: Tier 1 RBC 11.82%, CET1 11.82%, leverage 9.21%.

Tier 1 RBC
11.82%
CET1
11.82%
Leverage
9.21%
No watch items at this period.

Asset Quality

StrongQoQ +3
99
Sub-score

Asset quality is strong: Adjusted NPL 0.43%, Texas Ratio 3.7%, NCO YTD -0.01%.

Adjusted NPL
0.43%
Govt-guarantees stripped
Texas Ratio
3.7%
NCO YTD
-0.01%
30-89 PD
0.41%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -1
30
Sub-score

Reserves are weak: ALLL 0.67% of loans, coverage 159.0%, true coverage 28.5%.

ALLL / Loans
0.67%
Coverage
159.0%
True Loss Coverage
28.5%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 28.5% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.67% 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