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Liberty Bank Inc

IDRSSD: 593771
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
68
/ 100
StableAs of 2023-Q4QoQ -27

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 #593771 2023-Q4 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Capitalization (risk).

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

Top 3 Watch Items

  1. info
    Tier 1 RBC below 8%
    Capitalization — Tier 1 RBC 7.26% (PCA threshold 8%).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.10%.
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.09% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↓ -27 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↓ -70
  • Asset Quality
    ↓ -33
  • Reserves
    — —

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 67.1%, cash 31.5% of assets.

Cash / Assets
31.47%
Loans / Deposits
67.14%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.45%
No watch items at this period.

Capitalization

RiskQoQ -70
12
Sub-score

Capital position is weak: Tier 1 RBC 7.26%, CET1 7.26%, leverage 4.92%.

Tier 1 RBC
7.26%
CET1
7.26%
Leverage
4.92%

Watch Items

  • infoTier 1 RBC below 8% — Tier 1 RBC 7.26% (PCA threshold 8%).
  • infoTier 1 Leverage below 5% — Tier 1 Leverage 4.92% (PCA threshold 5%).

Asset Quality

StableQoQ -33
67
Sub-score

Asset quality is stable: Adjusted NPL 2.09%, Texas Ratio 18.8%, NCO YTD 0.00%.

Adjusted NPL
2.09%
Govt-guarantees stripped
Texas Ratio
18.8%
NCO YTD
0.00%
30-89 PD
1.72%
Band 0.3% / 3.0%
90+ PD
1.10%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.09% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.10%.

Reserves

Strong
89
Sub-score

Reserves are strong: ALLL 3.03% of loans, coverage 149.7%, true coverage 149.7%.

ALLL / Loans
3.03%
Coverage
149.7%
True Loss Coverage
149.7%
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.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: 2026-05-13 04:12:46 UTC