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Incrediblebank

IDRSSD: 163549
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
75
/ 100
StableAs of 2024-Q4QoQ +4

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 #163549 2024-Q4 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.73% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↑ +4 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +17

The five pillars

Liquidity

StableQoQ +2
72
Sub-score

Liquidity is stable: brokered 6.3%, loans/deposits 84.4%, cash 2.7% of assets.

Cash / Assets
2.73%
Loans / Deposits
84.44%
Brokered %
6.29%

Watch Items

  • infoCash / Assets below 3% — Cash 2.73% 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
0.49%
No watch items at this period.

Capitalization

WatchQoQ +1
47
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.86%, CET1 9.86%, leverage 7.85%.

Tier 1 RBC
9.86%
CET1
9.86%
Leverage
7.85%
No watch items at this period.

Asset Quality

StrongQoQ +1
90
Sub-score

Asset quality is strong: Adjusted NPL 1.12%, Texas Ratio 9.3%, NCO YTD 0.15%.

Adjusted NPL
1.12%
Govt-guarantees stripped
Texas Ratio
9.3%
NCO YTD
0.15%
30-89 PD
0.90%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +17
75
Sub-score

Reserves are stable: ALLL 1.32% of loans, coverage 119.2%, true coverage 97.7%.

ALLL / Loans
1.32%
Coverage
119.2%
True Loss Coverage
97.7%
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