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Incrediblebank

IDRSSD: 163549
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
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
75
/ 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 #163549 2023-Q4 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

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
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -6
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -1
70
Sub-score

Liquidity is stable: brokered 10.2%, loans/deposits 84.6%, cash 3.0% of assets.

Cash / Assets
3.03%
Loans / Deposits
84.57%
Brokered %
10.22%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.62%
No watch items at this period.

Capitalization

WatchQoQ -2
58
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.18%, CET1 10.18%, leverage 8.06%.

Tier 1 RBC
10.18%
CET1
10.18%
Leverage
8.06%
No watch items at this period.

Asset Quality

StrongQoQ -6
90
Sub-score

Asset quality is strong: Adjusted NPL 1.12%, Texas Ratio 9.1%, NCO YTD 0.58%.

Adjusted NPL
1.12%
Govt-guarantees stripped
Texas Ratio
9.1%
NCO YTD
0.58%
30-89 PD
0.06%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Watch
57
Sub-score

Reserves are deteriorating: ALLL 1.19% of loans, coverage 108.2%, true coverage 74.1%.

ALLL / Loans
1.19%
Coverage
108.2%
True Loss Coverage
74.1%
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: 2026-05-12 21:35:13 UTC