Liquidity
StableQoQ -1
77
Sub-score
Liquidity is stable: brokered 12.4%, loans/deposits 67.3%, cash 3.5% of assets.
- Cash / Assets
- 3.52%
- Loans / Deposits
- 67.28%
- Brokered %
- 12.40%
No watch items at this period.
Independence Bank Of Kentucky
IDRSSD: 648242
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
81
/ 100
StrongAs of 2024-Q3QoQ +6
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 #648242 2024-Q3 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Asset Quality (strong). Weakest pillar: Securities (watch).
Liquidity:Stable
Securities:Watch
Capitalization:Stable
Asset Quality:Strong
Reserves:Strong
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q2 2024:
↑ +6 ptscomposite
- Liquidity↓ -1
- Securities↑ +9
- Capitalization↑ +17
- Asset Quality↑ +3
- Reserves↓ 0
The five pillars
Securities
WatchQoQ +9
60
Sub-score
Securities profile is deteriorating: securities 32.1% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 32.07%
SVB watch metric
No watch items at this period.
Capitalization
StableQoQ +17
79
Sub-score
Capital position is stable: Tier 1 RBC 12.65%, CET1 12.65%, leverage 8.54%.
- Tier 1 RBC
- 12.65%
- CET1
- 12.65%
- Leverage
- 8.54%
No watch items at this period.
Asset Quality
StrongQoQ +3
100
Sub-score
Asset quality is strong: Adjusted NPL 0.13%, Texas Ratio 0.7%, NCO YTD 0.00%.
- Adjusted NPL
- 0.13%
- Texas Ratio
- 0.7%
- NCO YTD
- 0.00%
- 30-89 PD
- 0.13%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ 0
80
Sub-score
Reserves are strong: ALLL 0.91% of loans, coverage 730.0%, true coverage 730.0%.
- ALLL / Loans
- 0.91%
- Coverage
- 730.0%
- True Loss Coverage
- 730.0%
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.tsfor 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: 2026-05-14 14:57:20 UTC