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IDRSSD: 653947
Total Assets
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Latest filing
Total Deposits
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Net Interest Margin
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Profitability

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
78
/ 100
StableAs of 2023-Q4QoQ -6

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 #653947 2023-Q4 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

Liquidity:Stable
Securities:Strong
Capitalization:Watch
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 Q3 2023:
↓ -6 ptscomposite
  • Liquidity
    ↓ -10
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↓ -12
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -10
69
Sub-score

Liquidity is stable: brokered 19.4%, loans/deposits 89.5%, cash 6.5% of assets.

Cash / Assets
6.49%
Loans / Deposits
89.52%
Brokered %
19.42%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.12%
No watch items at this period.

Capitalization

WatchQoQ -6
58
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.81%, CET1 9.81%, leverage 8.83%.

Tier 1 RBC
9.81%
CET1
9.81%
Leverage
8.83%
No watch items at this period.

Asset Quality

StrongQoQ -12
86
Sub-score

Asset quality is strong: Adjusted NPL 0.45%, Texas Ratio 3.7%, NCO YTD 0.67%.

Adjusted NPL
0.45%
Govt-guarantees stripped
Texas Ratio
3.7%
NCO YTD
0.67%
30-89 PD
1.64%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
87
Sub-score

Reserves are strong: ALLL 1.12% of loans, coverage 250.8%, true coverage 250.8%.

ALLL / Loans
1.12%
Coverage
250.8%
True Loss Coverage
250.8%
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: 2026-05-14 19:57:03 UTC