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Madison Valley Bank

IDRSSD: 596455
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
86
/ 100
StrongAs of 2023-Q4QoQ 0

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 #596455 2023-Q4 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Reserves (strong). Weakest pillar: Securities (watch).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2023:
↓ 0 ptscomposite
  • Liquidity
    ↓ -12
  • Securities
    ↑ +1
  • Capitalization
    ↑ +6
  • Asset Quality
    ↓ -5
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -12
85
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 56.1%, cash 3.1% of assets.

Cash / Assets
3.08%
Loans / Deposits
56.14%
Brokered %
0.00%
No watch items at this period.

Securities

WatchQoQ +1
54
Sub-score

Securities profile is deteriorating: securities 33.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
33.86%
No watch items at this period.

Capitalization

StrongQoQ +6
89
Sub-score

Capital position is strong: Tier 1 RBC 13.11%, CET1 13.11%, leverage 8.81%.

Tier 1 RBC
13.11%
CET1
13.11%
Leverage
8.81%
No watch items at this period.

Asset Quality

StrongQoQ -5
95
Sub-score

Asset quality is strong: Adjusted NPL 0.84%, Texas Ratio 4.4%, NCO YTD 0.12%.

Adjusted NPL
0.84%
Govt-guarantees stripped
Texas Ratio
4.4%
NCO YTD
0.12%
30-89 PD
0.57%
Band 0.3% / 3.0%
90+ PD
0.13%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 1.67% of loans, coverage 201.5%, true coverage 143.5%.

ALLL / Loans
1.67%
Coverage
201.5%
True Loss Coverage
143.5%
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 03:35:47 UTC