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Kensington Bank

IDRSSD: 58757
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
67
/ 100
StableAs of 2024-Q3QoQ -10

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 #58757 2024-Q3 Vital Signs Score: 67/100 — 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. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 31.6% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 32.8% (regulatory soft-warning level 50%).
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.57% of loans.

What changed this quarter

Compared to Q2 2024:
↓ -10 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -66

The five pillars

Liquidity

StableQoQ +9
76
Sub-score

Liquidity is stable: brokered 8.5%, loans/deposits 91.4%, cash 6.6% of assets.

Cash / Assets
6.55%
Loans / Deposits
91.38%
Brokered %
8.53%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.16%
No watch items at this period.

Capitalization

WatchQoQ +2
56
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.52%, CET1 10.52%, leverage 8.81%.

Tier 1 RBC
10.52%
CET1
10.52%
Leverage
8.81%
No watch items at this period.

Asset Quality

StrongQoQ -12
88
Sub-score

Asset quality is strong: Adjusted NPL 1.75%, Texas Ratio 14.4%, NCO YTD 0.01%.

Adjusted NPL
1.75%
Govt-guarantees stripped
Texas Ratio
14.4%
NCO YTD
0.01%
30-89 PD
0.25%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -66
3
Sub-score

Reserves are weak: ALLL 0.57% of loans, coverage 32.8%, true coverage 31.6%.

ALLL / Loans
0.57%
Coverage
32.8%
True Loss Coverage
31.6%

Watch Items

  • watchALLL / NPL below 50% — Coverage 32.8% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 31.6% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.57% 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: 2026-05-14 17:06:59 UTC