Liquidity
Liquidity is stable: brokered 20.9%, loans/deposits 64.3%, cash 2.3% of assets.
- Cash / Assets
- 2.33%
- Loans / Deposits
- 64.27%
- Brokered %
- 20.93%
Watch Items
- infoCash / Assets below 3% — Cash 2.33% of assets (threshold 3%).
Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Bank #380878 2026-Q1 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).
Liquidity is stable: brokered 20.9%, loans/deposits 64.3%, cash 2.3% of assets.
Securities profile is strong: securities 0.0% of assets.
Capital position is strong: Tier 1 RBC 14.84%, CET1 14.84%, leverage 8.67%.
Asset quality is strong: Adjusted NPL 0.37%, Texas Ratio 2.2%, NCO YTD 0.00%.
Reserves are stable: ALLL 0.82% of loans, coverage 222.5%, true coverage 222.5%.
functions/src/vitalSignsScore.ts for the complete formula and band anchors.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 08:10:39 UTC