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Integrity Bank

IDRSSD: 843953
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
86
/ 100
StrongAs of 2024-Q3QoQ -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-Q3

Bank #843953 2024-Q3 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.52% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↓ -7 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    ↓ -39
  • Capitalization
    — —
  • Asset Quality
    — —
  • Reserves
    ↑ 0

The five pillars

Liquidity

StrongQoQ -6
81
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 41.1%, cash 1.5% of assets.

Cash / Assets
1.52%
Loans / Deposits
41.13%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.52% of assets (threshold 3%).

Securities

WatchQoQ -39
42
Sub-score

Securities profile is deteriorating: securities 37.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
37.27%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 22.47%, CET1 22.47%, leverage 10.71%.

Tier 1 RBC
22.47%
CET1
22.47%
Leverage
10.71%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.02%, Texas Ratio 0.1%, NCO YTD -0.18%.

Adjusted NPL
0.02%
Govt-guarantees stripped
Texas Ratio
0.1%
NCO YTD
-0.18%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ 0
92
Sub-score

Reserves are strong: ALLL 1.26% of loans, coverage 7560.0%, true coverage 7560.0%.

ALLL / Loans
1.26%
Coverage
7560.0%
True Loss Coverage
7560.0%
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.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 15:00:29 UTC