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Industrial Bank

IDRSSD: 536527
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
81
/ 100
StrongAs of 2024-Q2QoQ +7

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 #536527 2024-Q2 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.41% (govt-guarantees stripped).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 49.2% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2024:
↑ +7 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +16
  • Reserves
    ↑ +7

The five pillars

Liquidity

StrongQoQ +6
93
Sub-score

Liquidity is strong: brokered 0.7%, loans/deposits 60.7%, cash 6.8% of assets.

Cash / Assets
6.83%
Loans / Deposits
60.68%
Brokered %
0.65%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.34%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 26.65%, CET1 26.65%, leverage 15.97%.

Tier 1 RBC
26.65%
CET1
26.65%
Leverage
15.97%
No watch items at this period.

Asset Quality

WatchQoQ +16
60
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.41%, Texas Ratio 10.1%, NCO YTD 0.00%.

Adjusted NPL
3.41%
Govt-guarantees stripped
Texas Ratio
10.1%
NCO YTD
0.00%
30-89 PD
1.67%
Band 0.3% / 3.0%
90+ PD
0.90%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.41% (govt-guarantees stripped).

Reserves

WatchQoQ +7
47
Sub-score

Reserves are deteriorating: ALLL 2.31% of loans, coverage 69.2%, true coverage 49.2%.

ALLL / Loans
2.31%
Coverage
69.2%
True Loss Coverage
49.2%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.2% (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