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Genesis Bank

IDRSSD: 659640
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
53
/ 100
WatchAs of 2024-Q4QoQ -12

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 #659640 2024-Q4 Vital Signs Score: 53/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 31.4% (regulatory soft-warning level 50%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 31.4% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2024:
↓ -12 ptscomposite
  • Liquidity
    ↓ -11
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -34
  • Reserves
    ↓ -7

The five pillars

Liquidity

StableQoQ -11
62
Sub-score

Liquidity is stable: brokered 31.5%, loans/deposits 92.9%, cash 6.8% of assets.

Cash / Assets
6.84%
Loans / Deposits
92.94%
Brokered %
31.46%

Watch Items

  • infoBrokered deposits above 30% — Brokered 31.5% 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

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 19.29%.

Tier 1 RBC
—
CET1
0.00%
Leverage
19.29%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

RiskQoQ -34
36
Sub-score

Asset quality is weak: Adjusted NPL 4.11%, Texas Ratio 14.3%, NCO YTD 0.05%.

Adjusted NPL
4.11%
Govt-guarantees stripped
Texas Ratio
14.3%
NCO YTD
0.05%
30-89 PD
8.63%
Band 0.3% / 3.0%
90+ PD
2.05%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.11% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.05%.

Reserves

RiskQoQ -7
27
Sub-score

Reserves are weak: ALLL 1.28% of loans, coverage 31.4%, true coverage 31.4%.

ALLL / Loans
1.28%
Coverage
31.4%
True Loss Coverage
31.4%

Watch Items

  • watchALLL / NPL below 50% — Coverage 31.4% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 31.4% (Adjusted NPL + Performing Mods denominator).

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 01:29:16 UTC