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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2024-Q3QoQ +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-Q3

Bank #925037 2024-Q3 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. info
    Brokered deposits above 30%
    Liquidity — Brokered 33.4% of deposits (threshold 30%).

What changed this quarter

Compared to Q2 2024:
↑ +3 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ +7

The five pillars

Liquidity

StableQoQ +7
67
Sub-score

Liquidity is stable: brokered 33.4%, loans/deposits 91.6%, cash 9.0% of assets.

Cash / Assets
8.98%
Loans / Deposits
91.60%
Brokered %
33.44%

Watch Items

  • infoBrokered deposits above 30% — Brokered 33.4% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.10%
No watch items at this period.

Capitalization

StableQoQ 0
64
Sub-score

Capital position is stable: Tier 1 RBC 10.94%, CET1 10.94%, leverage 9.38%.

Tier 1 RBC
10.94%
CET1
10.94%
Leverage
9.38%
No watch items at this period.

Asset Quality

StrongQoQ 0
95
Sub-score

Asset quality is strong: Adjusted NPL 0.43%, Texas Ratio 3.5%, NCO YTD 0.67%.

Adjusted NPL
0.43%
Govt-guarantees stripped
Texas Ratio
3.5%
NCO YTD
0.67%
30-89 PD
0.21%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +7
81
Sub-score

Reserves are strong: ALLL 0.93% of loans, coverage 219.1%, true coverage 219.1%.

ALLL / Loans
0.93%
Coverage
219.1%
True Loss Coverage
219.1%
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