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Interbank

IDRSSD: 1187001
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
75
/ 100
StableAs of 2024-Q2QoQ -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-Q2

Bank #1187001 2024-Q2 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.71% of loans.

What changed this quarter

Compared to Q1 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +2

The five pillars

Liquidity

StrongQoQ -2
86
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 98.8%, cash 10.0% of assets.

Cash / Assets
9.98%
Loans / Deposits
98.82%
Brokered %
0.00%
No watch items at this period.

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 -6
64
Sub-score

Capital position is stable: Tier 1 RBC 10.78%, CET1 10.78%, leverage 11.15%.

Tier 1 RBC
10.78%
CET1
10.78%
Leverage
11.15%
No watch items at this period.

Asset Quality

StrongQoQ +3
91
Sub-score

Asset quality is strong: Adjusted NPL 1.02%, Texas Ratio 7.4%, NCO YTD -0.04%.

Adjusted NPL
1.02%
Govt-guarantees stripped
Texas Ratio
7.4%
NCO YTD
-0.04%
30-89 PD
0.23%
Band 0.3% / 3.0%
90+ PD
0.58%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +2
26
Sub-score

Reserves are weak: ALLL 0.71% of loans, coverage 69.9%, true coverage 59.8%.

ALLL / Loans
0.71%
Coverage
69.9%
True Loss Coverage
59.8%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.71% of loans.

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 04:21:34 UTC