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M1 Bank

IDRSSD: 666059
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
65
/ 100
StableAs of 2024-Q2QoQ -5

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q2

Bank #666059 2024-Q2 Vital Signs Score: 65/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Watch
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. watch
    Brokered deposits above 30%
    Liquidity — Brokered 37.7% of deposits (threshold 30%).
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.54% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↓ -5 ptscomposite
  • Liquidity
    ↓ -20
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    — —
  • Reserves
    ↓ -1

The five pillars

Liquidity

WatchQoQ -20
49
Sub-score

Liquidity is deteriorating: brokered 37.7%, loans/deposits 98.5%, cash 2.5% of assets.

Cash / Assets
2.54%
Loans / Deposits
98.46%
Brokered %
37.74%

Watch Items

  • watchBrokered deposits above 30% — Brokered 37.7% of deposits (threshold 30%).
  • infoCash / Assets below 3% — Cash 2.54% of assets (threshold 3%).

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

WatchQoQ -3
44
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.31%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.31%

Watch Items

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

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD 0.00%.

Adjusted NPL
0.00%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -1
30
Sub-score

Reserves are weak: ALLL 0.80% of loans.

ALLL / Loans
0.80%
Coverage
—
True Loss Coverage
—
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: 2026-05-15 08:00:58 UTC