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Generations Bank

IDRSSD: 442011
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
73
/ 100
StableAs of 2024-Q4QoQ -4

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 #442011 2024-Q4 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q3 2024:
↓ -4 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -10
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -9

The five pillars

Liquidity

StableQoQ +3
72
Sub-score

Liquidity is stable: brokered 2.3%, loans/deposits 92.6%, cash 3.3% of assets.

Cash / Assets
3.29%
Loans / Deposits
92.62%
Brokered %
2.26%
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

StableQoQ -10
77
Sub-score

Capital position is stable: Tier 1 RBC 12.28%, CET1 12.28%, leverage 8.92%.

Tier 1 RBC
12.28%
CET1
12.28%
Leverage
8.92%
No watch items at this period.

Asset Quality

StableQoQ -4
72
Sub-score

Asset quality is stable: Adjusted NPL 1.23%, Texas Ratio 10.1%, NCO YTD 0.82%.

Adjusted NPL
1.23%
Govt-guarantees stripped
Texas Ratio
10.1%
NCO YTD
0.82%
30-89 PD
2.75%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -9
39
Sub-score

Reserves are weak: ALLL 0.90% of loans, coverage 73.5%, true coverage 73.5%.

ALLL / Loans
0.90%
Coverage
73.5%
True Loss Coverage
73.5%
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