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John Deere Financial Fsb

IDRSSD: 2992547
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
64
/ 100
StableAs of 2024-Q3QoQ -4

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 #2992547 2024-Q3 Vital Signs Score: 64/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 279.4% (threshold 100%).
  2. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  3. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.01% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↓ -4 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +13
  • Reserves
    ↓ -46

The five pillars

Liquidity

Stable
60
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 279.4%, cash 0.0% of assets.

Cash / Assets
0.01%
Loans / Deposits
279.38%
Brokered %
0.00%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 279.4% (threshold 100%).
  • riskCash / Assets below 3% — Cash 0.01% 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

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 17.35%.

Tier 1 RBC
—
CET1
0.00%
Leverage
17.35%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ +13
92
Sub-score

Asset quality is strong: Adjusted NPL 0.30%, Texas Ratio 1.8%, NCO YTD 0.42%.

Adjusted NPL
0.30%
Govt-guarantees stripped
Texas Ratio
1.8%
NCO YTD
0.42%
30-89 PD
1.17%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -46
12
Sub-score

Reserves are weak: ALLL 0.17% of loans, coverage 54.6%, true coverage 54.0%.

ALLL / Loans
0.17%
Coverage
54.6%
True Loss Coverage
54.0%

Watch Items

  • riskALLL / Loans below 0.75% — ALLL 0.17% 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 13:47:29 UTC