Visbanking Logo
Skip to main content

Home Federal Savings And Loan Association Of Niles

IDRSSD: 71073
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
84
/ 100
StrongAs of 2024-Q3QoQ +2

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 #71073 2024-Q3 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 137.6% (threshold 100%).

What changed this quarter

Compared to Q2 2024:
↑ +2 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +15

The five pillars

Liquidity

StableQoQ -4
64
Sub-score

Liquidity is stable: brokered 7.4%, loans/deposits 137.6%, cash 4.9% of assets.

Cash / Assets
4.85%
Loans / Deposits
137.65%
Brokered %
7.35%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 137.6% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.82%
No watch items at this period.

Capitalization

StrongQoQ 0
94
Sub-score

Capital position is strong: Tier 1 RBC 14.32%, CET1 14.32%, leverage 9.04%.

Tier 1 RBC
14.32%
CET1
14.32%
Leverage
9.04%
No watch items at this period.

Asset Quality

StrongQoQ +3
97
Sub-score

Asset quality is strong: Adjusted NPL 0.84%, Texas Ratio 6.6%, NCO YTD 0.00%.

Adjusted NPL
0.84%
Govt-guarantees stripped
Texas Ratio
6.6%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +15
58
Sub-score

Reserves are deteriorating: ALLL 0.87% of loans, coverage 104.6%, true coverage 104.6%.

ALLL / Loans
0.87%
Coverage
104.6%
True Loss Coverage
104.6%
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.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 06:28:35 UTC