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Frazer Bank

IDRSSD: 245351
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
95
/ 100
StrongAs of 2024-Q4QoQ +7

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

Quarterly Headline

2024-Q4

Bank #245351 2024-Q4 Vital Signs Score: 95/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (strong).

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

Top 3 Watch Items

  1. watch
    Brokered deposits above 30%
    Liquidity — Brokered 42.0% of deposits (threshold 30%).

What changed this quarter

Compared to Q3 2024:
↑ +7 ptscomposite
  • Liquidity
    ↑ +21
  • Securities
    — —
  • Capitalization
    ↑ +7
  • Asset Quality
    ↑ +4
  • Reserves
    ↑ +3

The five pillars

Liquidity

StrongQoQ +21
80
Sub-score

Liquidity is strong: brokered 42.0%, loans/deposits 68.6%, cash 11.6% of assets.

Cash / Assets
11.63%
Loans / Deposits
68.56%
Brokered %
41.97%

Watch Items

  • watchBrokered deposits above 30% — Brokered 42.0% 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 +7
99
Sub-score

Capital position is strong: Tier 1 RBC 14.64%, CET1 14.64%, leverage 11.21%.

Tier 1 RBC
14.64%
CET1
14.64%
Leverage
11.21%
No watch items at this period.

Asset Quality

StrongQoQ +4
100
Sub-score

Asset quality is strong: Adjusted NPL 0.18%, Texas Ratio 1.0%, NCO YTD -0.53%.

Adjusted NPL
0.18%
Govt-guarantees stripped
Texas Ratio
1.0%
NCO YTD
-0.53%
30-89 PD
0.17%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +3
93
Sub-score

Reserves are strong: ALLL 1.28% of loans, coverage 715.5%, true coverage 177.7%.

ALLL / Loans
1.28%
Coverage
715.5%
True Loss Coverage
177.7%
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