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Insbank

IDRSSD: 2877345
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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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
84
/ 100
StrongAs of 2024-Q4QoQ -2

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 #2877345 2024-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.6% (threshold 100%).

What changed this quarter

Compared to Q3 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ -13
  • Securities
    — —
  • Capitalization
    ↓ -9
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +12

The five pillars

Liquidity

WatchQoQ -13
58
Sub-score

Liquidity is deteriorating: brokered 21.8%, loans/deposits 100.6%, cash 4.6% of assets.

Cash / Assets
4.56%
Loans / Deposits
100.56%
Brokered %
21.85%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.6% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StableQoQ -9
78
Sub-score

Capital position is stable: Tier 1 RBC 11.90%, CET1 11.90%, leverage 11.53%.

Tier 1 RBC
11.90%
CET1
11.90%
Leverage
11.53%
No watch items at this period.

Asset Quality

StrongQoQ +3
98
Sub-score

Asset quality is strong: Adjusted NPL 0.71%, Texas Ratio 4.8%, NCO YTD 0.00%.

Adjusted NPL
0.71%
Govt-guarantees stripped
Texas Ratio
4.8%
NCO YTD
0.00%
30-89 PD
0.14%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +12
90
Sub-score

Reserves are strong: ALLL 1.29% of loans, coverage 185.8%, true coverage 185.8%.

ALLL / Loans
1.29%
Coverage
185.8%
True Loss Coverage
185.8%
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: 2026-05-13 14:04:37 UTC