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Generations Bank

IDRSSD: 442011
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
77
/ 100
StableAs of 2023-Q4QoQ -10

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 #442011 2023-Q4 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q3 2023:
↓ -10 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -16
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +1
66
Sub-score

Liquidity is stable: brokered 16.3%, loans/deposits 92.2%, cash 4.4% of assets.

Cash / Assets
4.44%
Loans / Deposits
92.24%
Brokered %
16.32%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.34%
No watch items at this period.

Capitalization

StrongQoQ -1
90
Sub-score

Capital position is strong: Tier 1 RBC 12.83%, CET1 12.83%, leverage 9.35%.

Tier 1 RBC
12.83%
CET1
12.83%
Leverage
9.35%
No watch items at this period.

Asset Quality

StableQoQ -16
77
Sub-score

Asset quality is stable: Adjusted NPL 1.08%, Texas Ratio 8.6%, NCO YTD 0.24%.

Adjusted NPL
1.08%
Govt-guarantees stripped
Texas Ratio
8.6%
NCO YTD
0.24%
30-89 PD
3.17%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Watch
45
Sub-score

Reserves are deteriorating: ALLL 0.88% of loans, coverage 82.2%, true coverage 82.2%.

ALLL / Loans
0.88%
Coverage
82.2%
True Loss Coverage
82.2%
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: 2026-05-15 01:37:21 UTC