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Lead Bank

IDRSSD: 893855
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
64
/ 100
StableAs of 2023-Q4QoQ -21

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #893855 2023-Q4 Vital Signs Score: 64/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Uninsured deposits above 50%
    Liquidity — Uninsured 92.2% of deposits (threshold 50%).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 24.2% (regulatory soft-warning level 50%).
  3. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 24.2% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2023:
↓ -21 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -37
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -1
51
Sub-score

Liquidity is deteriorating: brokered 28.2%, loans/deposits 90.0%, cash 12.3% of assets.

Cash / Assets
12.25%
Loans / Deposits
90.01%
Brokered %
28.17%

Watch Items

  • riskUninsured deposits above 50% — Uninsured 92.2% of deposits (threshold 50%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.61%
No watch items at this period.

Capitalization

StrongQoQ +3
98
Sub-score

Capital position is strong: Tier 1 RBC 24.67%, CET1 24.67%, leverage 9.67%.

Tier 1 RBC
24.67%
CET1
24.67%
Leverage
9.67%
No watch items at this period.

Asset Quality

WatchQoQ -37
57
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.06%, Texas Ratio 14.4%, NCO YTD 0.03%.

Adjusted NPL
2.06%
Govt-guarantees stripped
Texas Ratio
14.4%
NCO YTD
0.03%
30-89 PD
6.16%
Band 0.3% / 3.0%
90+ PD
1.42%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.06% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.42%.

Reserves

Risk
0
Sub-score

Reserves are weak: ALLL 0.50% of loans, coverage 24.2%, true coverage 24.2%.

ALLL / Loans
0.50%
Coverage
24.2%
True Loss Coverage
24.2%

Watch Items

  • riskALLL / NPL below 50% — Coverage 24.2% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 24.2% (Adjusted NPL + Performing Mods denominator).
  • watchALLL / Loans below 0.75% — ALLL 0.50% 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: 2026-05-15 08:37:48 UTC