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Liberty Bank Inc

IDRSSD: 593771
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
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
68
/ 100
StableAs of 2024-Q1QoQ -1

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 #593771 2024-Q1 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. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 6.75% of loans.
  2. watch
    Tier 1 RBC below 8%
    Capitalization — Tier 1 RBC 5.06% (PCA threshold 8%).
  3. watch
    CET1 below 7%
    Capitalization — CET1 5.06% (threshold 7%).

What changed this quarter

Compared to Q4 2023:
↓ -1 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↓ -12
  • Asset Quality
    ↑ +4
  • Reserves
    ↑ +11

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 64.3%, cash 31.9% of assets.

Cash / Assets
31.95%
Loans / Deposits
64.30%
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
4.39%
No watch items at this period.

Capitalization

RiskQoQ -12
0
Sub-score

Capital position is weak: Tier 1 RBC 5.06%, CET1 5.06%, leverage 3.44%.

Tier 1 RBC
5.06%
CET1
5.06%
Leverage
3.44%

Watch Items

  • watchTier 1 RBC below 8% — Tier 1 RBC 5.06% (PCA threshold 8%).
  • watchCET1 below 7% — CET1 5.06% (threshold 7%).
  • watchTier 1 Leverage below 5% — Tier 1 Leverage 3.44% (PCA threshold 5%).

Asset Quality

StableQoQ +4
71
Sub-score

Asset quality is stable: Adjusted NPL 0.10%, Texas Ratio 1.0%, NCO YTD 6.75%.

Adjusted NPL
0.10%
Govt-guarantees stripped
Texas Ratio
1.0%
NCO YTD
6.75%
30-89 PD
2.31%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 6.75% of loans.

Reserves

StrongQoQ +11
100
Sub-score

Reserves are strong: ALLL 3.57% of loans, coverage 3857.1%, true coverage 3857.1%.

ALLL / Loans
3.57%
Coverage
3857.1%
True Loss Coverage
3857.1%
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