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Halstead Bank

IDRSSD: 747257
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2024-Q3QoQ -10

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q3

Bank #747257 2024-Q3 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.23%.

What changed this quarter

Compared to Q2 2024:
↓ -10 ptscomposite
  • Liquidity
    ↓ -14
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -15
  • Reserves
    ↓ -26

The five pillars

Liquidity

StrongQoQ -14
83
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 79.3%, cash 4.3% of assets.

Cash / Assets
4.32%
Loans / Deposits
79.27%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 17.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
17.08%
No watch items at this period.

Capitalization

StableQoQ +3
65
Sub-score

Capital position is stable: Tier 1 RBC 11.25%, CET1 11.25%, leverage 8.62%.

Tier 1 RBC
11.25%
CET1
11.25%
Leverage
8.62%
No watch items at this period.

Asset Quality

StrongQoQ -15
80
Sub-score

Asset quality is strong: Adjusted NPL 1.24%, Texas Ratio 9.4%, NCO YTD 0.09%.

Adjusted NPL
1.24%
Govt-guarantees stripped
Texas Ratio
9.4%
NCO YTD
0.09%
30-89 PD
0.84%
Band 0.3% / 3.0%
90+ PD
1.23%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.23%.

Reserves

StableQoQ -26
62
Sub-score

Reserves are stable: ALLL 1.16% of loans, coverage 94.3%, true coverage 93.5%.

ALLL / Loans
1.16%
Coverage
94.3%
True Loss Coverage
93.5%
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: 2026-05-12 19:32:38 UTC