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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2024-Q4QoQ +2

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 #243375 2024-Q4 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 45.97% of loans.
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.59% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +8
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ 0
99
Sub-score

Liquidity is strong: brokered 1.4%, loans/deposits 1.7%, cash 37.4% of assets.

Cash / Assets
37.37%
Loans / Deposits
1.73%
Brokered %
1.35%
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 -1
89
Sub-score

Capital position is strong: Tier 1 RBC 28.23%, CET1 28.23%, leverage 7.27%.

Tier 1 RBC
28.23%
CET1
28.23%
Leverage
7.27%
No watch items at this period.

Asset Quality

WatchQoQ +8
42
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.59%, Texas Ratio 0.7%, NCO YTD 45.97%.

Adjusted NPL
3.59%
Govt-guarantees stripped
Texas Ratio
0.7%
NCO YTD
45.97%
30-89 PD
6.72%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.59% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 45.97% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 8.90% of loans, coverage 272.6%, true coverage 272.6%.

ALLL / Loans
8.90%
Coverage
272.6%
True Loss Coverage
272.6%
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