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IDRSSD: 105473
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Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
47
/ 100
WatchAs of 2023-Q4QoQ -29

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

Quarterly Headline

2023-Q4

Bank #105473 2023-Q4 Vital Signs Score: 47/100 — overall watch. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 20.5% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 20.5% (Adjusted NPL + Performing Mods denominator).
  3. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q3 2023:
↓ -29 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    ↑ +2
  • Capitalization
    ↓ -50
  • Asset Quality
    ↓ -36
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +5
80
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 56.8%, cash 1.1% of assets.

Cash / Assets
1.14%
Loans / Deposits
56.80%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.14% of assets (threshold 3%).

Securities

RiskQoQ +2
2
Sub-score

Securities profile is weak: securities 49.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
49.44%
No watch items at this period.

Capitalization

WatchQoQ -50
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 16.19%.

Tier 1 RBC
—
CET1
0.00%
Leverage
16.19%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ -36
64
Sub-score

Asset quality is stable: Adjusted NPL 4.98%, Texas Ratio 13.3%, NCO YTD 0.00%.

Adjusted NPL
4.98%
Govt-guarantees stripped
Texas Ratio
13.3%
NCO YTD
0.00%
30-89 PD
0.65%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.98% (govt-guarantees stripped).

Reserves

Risk
17
Sub-score

Reserves are weak: ALLL 1.01% of loans, coverage 20.5%, true coverage 20.5%.

ALLL / Loans
1.01%
Coverage
20.5%
True Loss Coverage
20.5%

Watch Items

  • riskALLL / NPL below 50% — Coverage 20.5% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 20.5% (Adjusted NPL + Performing Mods denominator).

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 08:18:22 UTC