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Generations Bank

IDRSSD: 442011
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
79
/ 100
StableAs of 2024-Q2QoQ 0

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 #442011 2024-Q2 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q1 2024:
↑ 0 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +8

The five pillars

Liquidity

StableQoQ +3
67
Sub-score

Liquidity is stable: brokered 9.0%, loans/deposits 93.6%, cash 3.2% of assets.

Cash / Assets
3.18%
Loans / Deposits
93.57%
Brokered %
8.98%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.35%
No watch items at this period.

Capitalization

StrongQoQ -4
87
Sub-score

Capital position is strong: Tier 1 RBC 13.02%, CET1 13.02%, leverage 9.41%.

Tier 1 RBC
13.02%
CET1
13.02%
Leverage
9.41%
No watch items at this period.

Asset Quality

StableQoQ -1
77
Sub-score

Asset quality is stable: Adjusted NPL 0.97%, Texas Ratio 7.6%, NCO YTD 0.30%.

Adjusted NPL
0.97%
Govt-guarantees stripped
Texas Ratio
7.6%
NCO YTD
0.30%
30-89 PD
3.01%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +8
61
Sub-score

Reserves are stable: ALLL 0.98% of loans, coverage 101.2%, true coverage 101.2%.

ALLL / Loans
0.98%
Coverage
101.2%
True Loss Coverage
101.2%
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