Visbanking Logo
Skip to main content

Luminate Bank

IDRSSD: 310754
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
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
73
/ 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 #310754 2024-Q4 Vital Signs Score: 73/100 — 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
    ALLL / NPL below 50%
    Reserves — Coverage 35.0% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 35.0% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.42% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -8

The five pillars

Liquidity

StableQoQ +6
77
Sub-score

Liquidity is stable: brokered 10.1%, loans/deposits 102.6%, cash 12.2% of assets.

Cash / Assets
12.23%
Loans / Deposits
102.55%
Brokered %
10.08%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 102.6% (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

StrongQoQ -2
98
Sub-score

Capital position is strong: Tier 1 RBC 14.21%, CET1 14.21%, leverage 11.79%.

Tier 1 RBC
14.21%
CET1
14.21%
Leverage
11.79%
No watch items at this period.

Asset Quality

WatchQoQ -7
59
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.42%, Texas Ratio 22.6%, NCO YTD 0.69%.

Adjusted NPL
3.42%
Govt-guarantees stripped
Texas Ratio
22.6%
NCO YTD
0.69%
30-89 PD
1.79%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.42% (govt-guarantees stripped).

Reserves

RiskQoQ -8
25
Sub-score

Reserves are weak: ALLL 1.18% of loans, coverage 35.0%, true coverage 35.0%.

ALLL / Loans
1.18%
Coverage
35.0%
True Loss Coverage
35.0%

Watch Items

  • watchALLL / NPL below 50% — Coverage 35.0% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 35.0% (Adjusted NPL + Performing Mods denominator).

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 02:49:06 UTC