Visbanking Logo
Skip to main content

Kensington Bank

IDRSSD: 58757
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
66
/ 100
StableAs of 2024-Q4QoQ -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-Q4

Bank #58757 2024-Q4 Vital Signs Score: 66/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 29.3% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 29.9% (regulatory soft-warning level 50%).
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.58% of loans.

What changed this quarter

Compared to Q3 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ +4
80
Sub-score

Liquidity is strong: brokered 8.2%, loans/deposits 85.7%, cash 7.0% of assets.

Cash / Assets
7.03%
Loans / Deposits
85.66%
Brokered %
8.18%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.81%
No watch items at this period.

Capitalization

WatchQoQ +1
57
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.70%, CET1 10.70%, leverage 8.62%.

Tier 1 RBC
10.70%
CET1
10.70%
Leverage
8.62%
No watch items at this period.

Asset Quality

StrongQoQ -8
81
Sub-score

Asset quality is strong: Adjusted NPL 1.94%, Texas Ratio 15.6%, NCO YTD 0.33%.

Adjusted NPL
1.94%
Govt-guarantees stripped
Texas Ratio
15.6%
NCO YTD
0.33%
30-89 PD
0.94%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -1
3
Sub-score

Reserves are weak: ALLL 0.58% of loans, coverage 29.9%, true coverage 29.3%.

ALLL / Loans
0.58%
Coverage
29.9%
True Loss Coverage
29.3%

Watch Items

  • watchALLL / NPL below 50% — Coverage 29.9% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 29.3% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.58% 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