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Fortis Bank

IDRSSD: 2515320
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2023-Q4QoQ -2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #2515320 2023-Q4 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.92% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↓ -2 ptscomposite
  • Liquidity
    ↓ -9
  • Securities
    — —
  • Capitalization
    ↑ +9
  • Asset Quality
    ↓ -4
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -9
53
Sub-score

Liquidity is deteriorating: brokered 22.0%, loans/deposits 99.5%, cash 1.9% of assets.

Cash / Assets
1.92%
Loans / Deposits
99.49%
Brokered %
21.99%

Watch Items

  • watchCash / Assets below 3% — Cash 1.92% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 11.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
11.89%
No watch items at this period.

Capitalization

StableQoQ +9
79
Sub-score

Capital position is stable: Tier 1 RBC 12.12%, CET1 12.12%, leverage 8.61%.

Tier 1 RBC
12.12%
CET1
12.12%
Leverage
8.61%
No watch items at this period.

Asset Quality

StrongQoQ -4
96
Sub-score

Asset quality is strong: Adjusted NPL 0.54%, Texas Ratio 4.5%, NCO YTD 0.03%.

Adjusted NPL
0.54%
Govt-guarantees stripped
Texas Ratio
4.5%
NCO YTD
0.03%
30-89 PD
0.17%
Band 0.3% / 3.0%
90+ PD
0.41%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
70
Sub-score

Reserves are stable: ALLL 0.86% of loans, coverage 159.1%, true coverage 157.7%.

ALLL / Loans
0.86%
Coverage
159.1%
True Loss Coverage
157.7%
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: 2026-05-13 11:55:33 UTC