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Fortis Bank

IDRSSD: 2515320
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
81
/ 100
StrongAs 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 #2515320 2024-Q3 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q2 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +12
  • Securities
    — —
  • Capitalization
    ↓ -10
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ +12
70
Sub-score

Liquidity is stable: brokered 17.9%, loans/deposits 85.7%, cash 5.4% of assets.

Cash / Assets
5.37%
Loans / Deposits
85.68%
Brokered %
17.92%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 10.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.46%
No watch items at this period.

Capitalization

StableQoQ -10
70
Sub-score

Capital position is stable: Tier 1 RBC 11.72%, CET1 11.72%, leverage 8.42%.

Tier 1 RBC
11.72%
CET1
11.72%
Leverage
8.42%
No watch items at this period.

Asset Quality

StrongQoQ -3
92
Sub-score

Asset quality is strong: Adjusted NPL 0.51%, Texas Ratio 4.3%, NCO YTD 0.18%.

Adjusted NPL
0.51%
Govt-guarantees stripped
Texas Ratio
4.3%
NCO YTD
0.18%
30-89 PD
1.02%
Band 0.3% / 3.0%
90+ PD
0.33%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -2
76
Sub-score

Reserves are stable: ALLL 0.90% of loans, coverage 179.5%, true coverage 179.5%.

ALLL / Loans
0.90%
Coverage
179.5%
True Loss Coverage
179.5%
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