Liquidity
StrongQoQ +5
87
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 62.7%, cash 4.0% of assets.
- Cash / Assets
- 3.95%
- Loans / Deposits
- 62.71%
- Brokered %
- 0.00%
No watch items at this period.
Liberty Bank And Trust Company
IDRSSD: 283438
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
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
87
/ 100
StrongAs of 2023-Q4QoQ -5
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 #283438 2023-Q4 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (stable).
Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Stable
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q3 2023:
↓ -5 ptscomposite
- Liquidity↑ +5
- Securities↑ +4
- Capitalization— —
- Asset Quality↓ -9
- Reserves— —
The five pillars
Securities
StrongQoQ +4
99
Sub-score
Securities profile is strong: securities 20.2% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 20.21%
SVB watch metric
No watch items at this period.
Capitalization
Strong
100
Sub-score
Capital position is strong: Tier 1 RBC 19.71%, CET1 15.40%, leverage 11.02%.
- Tier 1 RBC
- 19.71%
- CET1
- 15.40%
- Leverage
- 11.02%
No watch items at this period.
Asset Quality
StrongQoQ -9
82
Sub-score
Asset quality is strong: Adjusted NPL 0.99%, Texas Ratio 4.6%, NCO YTD 0.31%.
- Adjusted NPL
- 0.99%
- Texas Ratio
- 4.6%
- NCO YTD
- 0.31%
- 30-89 PD
- 2.20%
- 90+ PD
- 0.05%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
Stable
61
Sub-score
Reserves are stable: ALLL 1.31% of loans, coverage 134.0%, true coverage 62.8%.
- ALLL / Loans
- 1.31%
- Coverage
- 134.0%
- True Loss Coverage
- 62.8%
No watch items at this period.
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.tsfor 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: 2026-05-13 13:53:19 UTC