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IDRSSD: 470434
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
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
72
/ 100
StableAs of 2024-Q4QoQ -8

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 #470434 2024-Q4 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 102.8% (threshold 100%).

What changed this quarter

Compared to Q3 2024:
↓ -8 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ -55

The five pillars

Liquidity

StrongQoQ -3
83
Sub-score

Liquidity is strong: brokered 1.1%, loans/deposits 102.8%, cash 12.4% of assets.

Cash / Assets
12.44%
Loans / Deposits
102.80%
Brokered %
1.15%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 102.8% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 19.25%.

Tier 1 RBC
—
CET1
0.00%
Leverage
19.25%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ +2
93
Sub-score

Asset quality is strong: Adjusted NPL 1.33%, Texas Ratio 5.8%, NCO YTD -0.05%.

Adjusted NPL
1.33%
Govt-guarantees stripped
Texas Ratio
5.8%
NCO YTD
-0.05%
30-89 PD
0.21%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -55
30
Sub-score

Reserves are weak: ALLL 0.86% of loans, coverage 65.1%, true coverage 60.5%.

ALLL / Loans
0.86%
Coverage
65.1%
True Loss Coverage
60.5%
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: 2026-05-14 23:51:00 UTC