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Johnson Bank

IDRSSD: 58243
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 1 alert active.

Summary

RSSD 58243 held $7.0B in total assets as of 2026-03-31 (-2.5% quarter-over-quarter). Total loans stood at $5.2B (+0.2% QoQ) and total deposits at $5.8B (-2.6% QoQ).

Overall position is adequate — the composite Health Score is 59/100 (Adequate). Tier 1 / RWA stands at 16.04%, in the top quartile of peers. Asset quality (NPL ratio) sits in the above median of peers.

1 Quarterly Anomaly Alert fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
59/100
Adequate
Active Alerts
1
0 critical, 1 warning
Total Assets
$7.0B
-2.5% QoQ
Total Loans
$5.2B
+0.2% QoQ
Total Deposits
$5.8B
-2.6% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
16.04%
80th pctile · n=188↑ better
+41 bp QoQ
CET1 / RWA
16.04%
84th pctile · n=209↑ better
+40 bp QoQ
Total RBC / RWA
17.30%
81th pctile · n=188↑ better
+41 bp QoQ
Tier 1 Leverage Ratio
16.04%
82th pctile · n=209↑ better
+40 bp QoQ

Liquidity

Cash / Assets
3.09%
28th pctile · n=209↑ better
-361 bp QoQ
Loans / Deposits
89.27%
59th pctile · n=207↓ better
+254 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.28%
25th pctile · n=209↓ better
-0 bp QoQ
NPA / Assets
0.21%
26th pctile · n=209↓ better
+0 bp QoQ
Texas Ratio (regulatory)
1.55%
19th pctile · n=209↓ better
-5 bp QoQ
Net Charge-Offs / Avg Loans
-0.12%
0th pctile · n=209↓ better
-52 bp QoQ
ALLL Coverage of NPL
528.65%
88th pctile · n=209↑ better
+1008 bp QoQ

Earnings

Net Interest Margin
3.48%
40th pctile · n=209↑ better
-9 bp QoQ
Return on Assets
1.24%
39th pctile · n=209↑ better
+2 bp QoQ
Return on Equity
10.06%
26th pctile · n=209↑ better
-16 bp QoQ
Efficiency Ratio
62.78%
74th pctile · n=209↓ better
-173 bp QoQ
Pre-tax NOI / Avg Assets
1.59%
43th pctile · n=209↑ better
+21 bp QoQ

Funding

Brokered / Deposits
2.28%
49th pctile · n=207↓ better
-77 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
2.65%
54th pctile · n=209↓ better
-33 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
15.87%
55th pctile · n=209↑ better
+149 bp QoQ
AFS Securities / Assets
3.96%
13th pctile · n=209↑ better
+64 bp QoQ
HTM Securities / Assets
11.91%
94th pctile · n=209↑ better
+85 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-12 21:43:35 UTC