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Lead Bank

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

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
65
/ 100
StableAs of 2024-Q2QoQ +2

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

Quarterly Headline

2024-Q2

Bank #893855 2024-Q2 Vital Signs Score: 65/100 — 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 83.2% of deposits (threshold 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 32.3% (Adjusted NPL + Performing Mods denominator).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 33.8% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q1 2024:
↑ +2 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +8
  • Reserves
    ↑ +1

The five pillars

Liquidity

WatchQoQ -3
54
Sub-score

Liquidity is deteriorating: brokered 32.2%, loans/deposits 81.8%, cash 18.0% of assets.

Cash / Assets
18.04%
Loans / Deposits
81.82%
Brokered %
32.15%

Watch Items

  • infoBrokered deposits above 30% — Brokered 32.2% of deposits (threshold 30%).
  • riskUninsured deposits above 50% — Uninsured 83.2% 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
2.30%
No watch items at this period.

Capitalization

StrongQoQ -1
97
Sub-score

Capital position is strong: Tier 1 RBC 26.31%, CET1 26.31%, leverage 9.19%.

Tier 1 RBC
26.31%
CET1
26.31%
Leverage
9.19%
No watch items at this period.

Asset Quality

WatchQoQ +8
57
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.04%, Texas Ratio 13.6%, NCO YTD 0.28%.

Adjusted NPL
2.04%
Govt-guarantees stripped
Texas Ratio
13.6%
NCO YTD
0.28%
30-89 PD
4.47%
Band 0.3% / 3.0%
90+ PD
1.31%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.04% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.31%.

Reserves

RiskQoQ +1
7
Sub-score

Reserves are weak: ALLL 0.69% of loans, coverage 33.8%, true coverage 32.3%.

ALLL / Loans
0.69%
Coverage
33.8%
True Loss Coverage
32.3%

Watch Items

  • watchALLL / NPL below 50% — Coverage 33.8% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 32.3% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.69% 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