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Frazer Bank

IDRSSD: 245351
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
87
/ 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 #245351 2024-Q3 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 46.5% of deposits (threshold 30%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.72% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -4

The five pillars

Liquidity

WatchQoQ -2
59
Sub-score

Liquidity is deteriorating: brokered 46.5%, loans/deposits 80.0%, cash 2.7% of assets.

Cash / Assets
2.72%
Loans / Deposits
80.03%
Brokered %
46.46%

Watch Items

  • riskBrokered deposits above 30% — Brokered 46.5% of deposits (threshold 30%).
  • infoCash / Assets below 3% — Cash 2.72% of assets (threshold 3%).

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
92
Sub-score

Capital position is strong: Tier 1 RBC 13.40%, CET1 13.40%, leverage 11.09%.

Tier 1 RBC
13.40%
CET1
13.40%
Leverage
11.09%
No watch items at this period.

Asset Quality

StrongQoQ -4
96
Sub-score

Asset quality is strong: Adjusted NPL 0.17%, Texas Ratio 1.0%, NCO YTD 0.53%.

Adjusted NPL
0.17%
Govt-guarantees stripped
Texas Ratio
1.0%
NCO YTD
0.53%
30-89 PD
0.28%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -4
90
Sub-score

Reserves are strong: ALLL 1.19% of loans, coverage 706.0%, true coverage 179.7%.

ALLL / Loans
1.19%
Coverage
706.0%
True Loss Coverage
179.7%
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 16:17:47 UTC