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Inb National Association

IDRSSD: 925037
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
78
/ 100
StableAs 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 #925037 2024-Q2 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. info
    Brokered deposits above 30%
    Liquidity — Brokered 32.2% of deposits (threshold 30%).

What changed this quarter

Compared to Q1 2024:
↓ -3 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -13
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ +4

The five pillars

Liquidity

WatchQoQ 0
60
Sub-score

Liquidity is deteriorating: brokered 32.2%, loans/deposits 92.3%, cash 5.9% of assets.

Cash / Assets
5.86%
Loans / Deposits
92.33%
Brokered %
32.25%

Watch Items

  • infoBrokered deposits above 30% — Brokered 32.2% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.31%
No watch items at this period.

Capitalization

StableQoQ -13
64
Sub-score

Capital position is stable: Tier 1 RBC 10.90%, CET1 10.90%, leverage 9.39%.

Tier 1 RBC
10.90%
CET1
10.90%
Leverage
9.39%
No watch items at this period.

Asset Quality

StrongQoQ -2
95
Sub-score

Asset quality is strong: Adjusted NPL 0.68%, Texas Ratio 5.5%, NCO YTD 0.49%.

Adjusted NPL
0.68%
Govt-guarantees stripped
Texas Ratio
5.5%
NCO YTD
0.49%
30-89 PD
0.23%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +4
74
Sub-score

Reserves are stable: ALLL 1.03% of loans, coverage 153.2%, true coverage 153.2%.

ALLL / Loans
1.03%
Coverage
153.2%
True Loss Coverage
153.2%
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 14:12:41 UTC