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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 — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
64
/ 100
StableAs of 2024-Q1QoQ 0

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

Quarterly Headline

2024-Q1

Bank #893855 2024-Q1 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. watch
    Uninsured deposits above 50%
    Liquidity — Uninsured 79.5% of deposits (threshold 50%).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 26.1% (regulatory soft-warning level 50%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 26.1% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2023:
↓ 0 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -8
  • Reserves
    ↑ +6

The five pillars

Liquidity

WatchQoQ +5
57
Sub-score

Liquidity is deteriorating: brokered 29.5%, loans/deposits 77.8%, cash 23.0% of assets.

Cash / Assets
22.97%
Loans / Deposits
77.77%
Brokered %
29.55%

Watch Items

  • watchUninsured deposits above 50% — Uninsured 79.5% of deposits (threshold 50%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.32%
No watch items at this period.

Capitalization

StrongQoQ -1
97
Sub-score

Capital position is strong: Tier 1 RBC 26.90%, CET1 26.90%, leverage 9.53%.

Tier 1 RBC
26.90%
CET1
26.90%
Leverage
9.53%
No watch items at this period.

Asset Quality

WatchQoQ -8
49
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.63%, Texas Ratio 17.4%, NCO YTD 0.02%.

Adjusted NPL
2.63%
Govt-guarantees stripped
Texas Ratio
17.4%
NCO YTD
0.02%
30-89 PD
4.23%
Band 0.3% / 3.0%
90+ PD
1.78%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.63% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.78%.

Reserves

RiskQoQ +6
6
Sub-score

Reserves are weak: ALLL 0.68% of loans, coverage 26.1%, true coverage 26.1%.

ALLL / Loans
0.68%
Coverage
26.1%
True Loss Coverage
26.1%

Watch Items

  • watchALLL / NPL below 50% — Coverage 26.1% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 26.1% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.68% 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