Visbanking Logo
Skip to main content

Inb National Association

IDRSSD: 925037
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2024-Q4QoQ -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-Q4

Bank #925037 2024-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 39.5% (Adjusted NPL + Performing Mods denominator).
  2. info
    Brokered deposits above 30%
    Liquidity — Brokered 33.3% of deposits (threshold 30%).

What changed this quarter

Compared to Q3 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +5
  • Reserves
    ↓ -28

The five pillars

Liquidity

StableQoQ +3
70
Sub-score

Liquidity is stable: brokered 33.3%, loans/deposits 89.2%, cash 11.6% of assets.

Cash / Assets
11.56%
Loans / Deposits
89.16%
Brokered %
33.31%

Watch Items

  • infoBrokered deposits above 30% — Brokered 33.3% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.05%
No watch items at this period.

Capitalization

StableQoQ +2
67
Sub-score

Capital position is stable: Tier 1 RBC 11.15%, CET1 11.15%, leverage 9.41%.

Tier 1 RBC
11.15%
CET1
11.15%
Leverage
9.41%
No watch items at this period.

Asset Quality

StrongQoQ +5
100
Sub-score

Asset quality is strong: Adjusted NPL 0.40%, Texas Ratio 3.1%, NCO YTD 0.03%.

Adjusted NPL
0.40%
Govt-guarantees stripped
Texas Ratio
3.1%
NCO YTD
0.03%
30-89 PD
0.12%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -28
53
Sub-score

Reserves are deteriorating: ALLL 0.95% of loans, coverage 242.9%, true coverage 39.5%.

ALLL / Loans
0.95%
Coverage
242.9%
True Loss Coverage
39.5%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 39.5% (Adjusted NPL + Performing Mods denominator).

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