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Lead Bank

IDRSSD: 893855
Total Assets
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Latest filing
Total Deposits
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Net Interest Margin
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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 -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-Q4

Bank #893855 2024-Q4 Vital Signs Score: 66/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Uninsured deposits above 50%
    Liquidity — Uninsured 78.0% of deposits (threshold 50%).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 35.9% (regulatory soft-warning level 50%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 35.9% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ +6
64
Sub-score

Liquidity is stable: brokered 25.2%, loans/deposits 54.7%, cash 34.3% of assets.

Cash / Assets
34.34%
Loans / Deposits
54.71%
Brokered %
25.20%

Watch Items

  • watchUninsured deposits above 50% — Uninsured 78.0% of deposits (threshold 50%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.55%
No watch items at this period.

Capitalization

StrongQoQ -5
92
Sub-score

Capital position is strong: Tier 1 RBC 24.25%, CET1 24.25%, leverage 8.19%.

Tier 1 RBC
24.25%
CET1
24.25%
Leverage
8.19%
No watch items at this period.

Asset Quality

WatchQoQ -5
55
Sub-score

Asset quality is deteriorating: Adjusted NPL 1.99%, Texas Ratio 11.9%, NCO YTD 0.47%.

Adjusted NPL
1.99%
Govt-guarantees stripped
Texas Ratio
11.9%
NCO YTD
0.47%
30-89 PD
4.70%
Band 0.3% / 3.0%
90+ PD
1.45%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.45%.

Reserves

RiskQoQ -2
10
Sub-score

Reserves are weak: ALLL 0.71% of loans, coverage 35.9%, true coverage 35.9%.

ALLL / Loans
0.71%
Coverage
35.9%
True Loss Coverage
35.9%

Watch Items

  • watchALLL / NPL below 50% — Coverage 35.9% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 35.9% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.71% 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