Liquidity
StableQoQ +1
61
Sub-score
Liquidity is stable: brokered 17.0%, loans/deposits 94.8%, cash 3.0% of assets.
- Cash / Assets
- 3.04%
- Loans / Deposits
- 94.81%
- Brokered %
- 17.01%
No watch items at this period.
Main Street Bank Corp
IDRSSD: 985479
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
77
/ 100
StableAs of 2024-Q1QoQ 0
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 #985479 2024-Q1 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).
Liquidity:Stable
Securities:Strong
Capitalization:Watch
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 Q4 2023:
↑ 0 ptscomposite
- Liquidity↑ +1
- Securities— —
- Capitalization↑ +1
- Asset Quality— —
- Reserves↓ -1
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 0.8% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 0.83%
SVB watch metric
No watch items at this period.
Capitalization
WatchQoQ +1
50
Sub-score
Capital position is deteriorating: Tier 1 RBC 9.63%, CET1 9.63%, leverage 7.60%.
- Tier 1 RBC
- 9.63%
- CET1
- 9.63%
- Leverage
- 7.60%
No watch items at this period.
Asset Quality
Strong
100
Sub-score
Asset quality is strong: Adjusted NPL 0.08%, Texas Ratio 0.8%, NCO YTD 0.00%.
- Adjusted NPL
- 0.08%
- Texas Ratio
- 0.8%
- NCO YTD
- 0.00%
- 30-89 PD
- 0.19%
- 90+ PD
- 0.03%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ -1
85
Sub-score
Reserves are strong: ALLL 1.04% of loans, coverage 1266.2%, true coverage 985.4%.
- ALLL / Loans
- 1.04%
- Coverage
- 1266.2%
- True Loss Coverage
- 985.4%
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.tsfor 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 08:28:41 UTC