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Intracoastal Bank

IDRSSD: 3786435
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
76
/ 100
StableAs of 2024-Q2QoQ -3

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 #3786435 2024-Q2 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.95% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -8
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -4

The five pillars

Liquidity

StableQoQ -3
73
Sub-score

Liquidity is stable: brokered 6.1%, loans/deposits 80.0%, cash 1.9% of assets.

Cash / Assets
1.95%
Loans / Deposits
79.97%
Brokered %
6.12%

Watch Items

  • watchCash / Assets below 3% — Cash 1.95% of assets (threshold 3%).

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 -8
65
Sub-score

Capital position is stable: Tier 1 RBC 10.82%, CET1 10.82%, leverage 9.54%.

Tier 1 RBC
10.82%
CET1
10.82%
Leverage
9.54%
No watch items at this period.

Asset Quality

StrongQoQ -1
87
Sub-score

Asset quality is strong: Adjusted NPL 1.88%, Texas Ratio 13.1%, NCO YTD -0.04%.

Adjusted NPL
1.88%
Govt-guarantees stripped
Texas Ratio
13.1%
NCO YTD
-0.04%
30-89 PD
0.31%
Band 0.3% / 3.0%
90+ PD
0.11%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -4
54
Sub-score

Reserves are deteriorating: ALLL 1.36% of loans, coverage 73.2%, true coverage 73.2%.

ALLL / Loans
1.36%
Coverage
73.2%
True Loss Coverage
73.2%
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: 2026-05-15 11:19:39 UTC