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Green Dot Bank Dba Bonneville Bank

IDRSSD: 243375
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2024-Q1QoQ -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-Q1

Bank #243375 2024-Q1 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 45.38% of loans.
  2. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 6.52% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2023:
↓ -4 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -9
  • Asset Quality
    ↓ -5
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ 0
99
Sub-score

Liquidity is strong: brokered 1.5%, loans/deposits 1.0%, cash 28.4% of assets.

Cash / Assets
28.44%
Loans / Deposits
1.05%
Brokered %
1.51%
No watch items at this period.

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 -9
91
Sub-score

Capital position is strong: Tier 1 RBC 24.42%, CET1 24.42%, leverage 8.31%.

Tier 1 RBC
24.42%
CET1
24.42%
Leverage
8.31%
No watch items at this period.

Asset Quality

RiskQoQ -5
33
Sub-score

Asset quality is weak: Adjusted NPL 6.52%, Texas Ratio 0.7%, NCO YTD 45.38%.

Adjusted NPL
6.52%
Govt-guarantees stripped
Texas Ratio
0.7%
NCO YTD
45.38%
30-89 PD
10.01%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 6.52% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 45.38% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 14.86% of loans, coverage 267.7%, true coverage 267.7%.

ALLL / Loans
14.86%
Coverage
267.7%
True Loss Coverage
267.7%
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 01:19:47 UTC