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IDRSSD: 105473
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Total Deposits
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Net Interest Margin
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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
75
/ 100
StableAs of 2024-Q2QoQ +18

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 #105473 2024-Q2 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q1 2024:
↑ +18 ptscomposite
  • Liquidity
    — —
  • Securities
    ↑ 0
  • Capitalization
    — —
  • Asset Quality
    ↑ +33
  • Reserves
    ↑ +68

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 57.8%, cash 21.0% of assets.

Cash / Assets
20.99%
Loans / Deposits
57.75%
Brokered %
0.00%
No watch items at this period.

Securities

RiskQoQ 0
34
Sub-score

Securities profile is weak: securities 39.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
39.69%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 13.06%.

Tier 1 RBC
—
CET1
0.00%
Leverage
13.06%

Watch Items

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

Asset Quality

StrongQoQ +33
100
Sub-score

Asset quality is strong: Adjusted NPL 0.38%, Texas Ratio 1.0%, NCO YTD 0.00%.

Adjusted NPL
0.38%
Govt-guarantees stripped
Texas Ratio
1.0%
NCO YTD
0.00%
30-89 PD
0.11%
Band 0.3% / 3.0%
90+ PD
0.14%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +68
84
Sub-score

Reserves are strong: ALLL 1.03% of loans, coverage 276.5%, true coverage 265.2%.

ALLL / Loans
1.03%
Coverage
276.5%
True Loss Coverage
265.2%
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 08:18:22 UTC