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Frazer Bank

IDRSSD: 245351
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
89
/ 100
StrongAs of 2024-Q2QoQ -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-Q2

Bank #245351 2024-Q2 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 46.6% of deposits (threshold 30%).

What changed this quarter

Compared to Q1 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↑ +5
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ -8
61
Sub-score

Liquidity is stable: brokered 46.6%, loans/deposits 78.7%, cash 3.4% of assets.

Cash / Assets
3.39%
Loans / Deposits
78.65%
Brokered %
46.59%

Watch Items

  • riskBrokered deposits above 30% — Brokered 46.6% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ -3
90
Sub-score

Capital position is strong: Tier 1 RBC 13.00%, CET1 13.00%, leverage 10.59%.

Tier 1 RBC
13.00%
CET1
13.00%
Leverage
10.59%
No watch items at this period.

Asset Quality

StrongQoQ +5
100
Sub-score

Asset quality is strong: Adjusted NPL 0.19%, Texas Ratio 1.2%, NCO YTD 0.01%.

Adjusted NPL
0.19%
Govt-guarantees stripped
Texas Ratio
1.2%
NCO YTD
0.01%
30-89 PD
0.04%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +1
94
Sub-score

Reserves are strong: ALLL 1.31% of loans, coverage 693.7%, true coverage 190.8%.

ALLL / Loans
1.31%
Coverage
693.7%
True Loss Coverage
190.8%
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 16:17:47 UTC