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Industrial Bank

IDRSSD: 536527
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2024-Q1QoQ +1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q1

Bank #536527 2024-Q1 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.27% (govt-guarantees stripped).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 40.6% (Adjusted NPL + Performing Mods denominator).
  3. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.40% of loans.

What changed this quarter

Compared to Q4 2023:
↑ +1 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +7
  • Reserves
    ↑ +3

The five pillars

Liquidity

StrongQoQ -8
86
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 62.3%, cash 3.7% of assets.

Cash / Assets
3.74%
Loans / Deposits
62.30%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.45%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 27.13%, CET1 27.13%, leverage 16.04%.

Tier 1 RBC
27.13%
CET1
27.13%
Leverage
16.04%
No watch items at this period.

Asset Quality

WatchQoQ +7
44
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.27%, Texas Ratio 12.6%, NCO YTD 1.40%.

Adjusted NPL
4.27%
Govt-guarantees stripped
Texas Ratio
12.6%
NCO YTD
1.40%
30-89 PD
0.80%
Band 0.3% / 3.0%
90+ PD
1.37%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.27% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.37%.
  • infoNet charge-offs elevated — NCO YTD 1.40% of loans.

Reserves

RiskQoQ +3
39
Sub-score

Reserves are weak: ALLL 2.26% of loans, coverage 54.1%, true coverage 40.6%.

ALLL / Loans
2.26%
Coverage
54.1%
True Loss Coverage
40.6%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 40.6% (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: 2026-05-14 19:40:03 UTC