Visbanking Logo
Skip to main content

Incrediblebank

IDRSSD: 163549
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
70
/ 100
StableAs of 2024-Q2QoQ -5

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 #163549 2024-Q2 Vital Signs Score: 70/100 — 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

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.13% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↓ -5 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -8
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -8

The five pillars

Liquidity

StableQoQ -2
68
Sub-score

Liquidity is stable: brokered 10.7%, loans/deposits 84.3%, cash 2.1% of assets.

Cash / Assets
2.13%
Loans / Deposits
84.30%
Brokered %
10.73%

Watch Items

  • infoCash / Assets below 3% — Cash 2.13% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.54%
No watch items at this period.

Capitalization

WatchQoQ -8
49
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.03%, CET1 10.03%, leverage 7.87%.

Tier 1 RBC
10.03%
CET1
10.03%
Leverage
7.87%
No watch items at this period.

Asset Quality

StrongQoQ -5
89
Sub-score

Asset quality is strong: Adjusted NPL 1.46%, Texas Ratio 12.2%, NCO YTD 0.33%.

Adjusted NPL
1.46%
Govt-guarantees stripped
Texas Ratio
12.2%
NCO YTD
0.33%
30-89 PD
0.02%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -8
43
Sub-score

Reserves are deteriorating: ALLL 1.11% of loans, coverage 76.8%, true coverage 65.5%.

ALLL / Loans
1.11%
Coverage
76.8%
True Loss Coverage
65.5%
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