Liquidity
StableQoQ -10
74
Sub-score
Liquidity is stable: brokered 2.4%, loans/deposits 89.3%, cash 3.1% of assets.
- Cash / Assets
- 3.14%
- Loans / Deposits
- 89.26%
- Brokered %
- 2.42%
No watch items at this period.
Holcomb Bank
IDRSSD: 568135
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2024-Q2
Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
83
/ 100
StrongAs of 2024-Q2QoQ -3
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2024-Q2
Bank #568135 2024-Q2 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).
Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Strong
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q1 2024:
↓ -3 ptscomposite
- Liquidity↓ -10
- Securities— —
- Capitalization↓ -5
- Asset Quality— —
- Reserves↑ +1
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 6.5% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 6.49%
SVB watch metric
No watch items at this period.
Capitalization
StableQoQ -5
63
Sub-score
Capital position is stable: Tier 1 RBC 11.20%, CET1 11.20%, leverage 8.10%.
- Tier 1 RBC
- 11.20%
- CET1
- 11.20%
- Leverage
- 8.10%
No watch items at this period.
Asset Quality
Strong
100
Sub-score
Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD -0.07%.
- Adjusted NPL
- 0.00%
- Texas Ratio
- 0.0%
- NCO YTD
- -0.07%
- 30-89 PD
- 0.17%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ +1
86
Sub-score
Reserves are strong: ALLL 1.22% of loans, true coverage 954.6%.
- ALLL / Loans
- 1.22%
- Coverage
- —
- True Loss Coverage
- 954.6%
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.tsfor 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: 2026-05-14 19:52:35 UTC