Visbanking Logo
Skip to main content

Main Street Bank

IDRSSD: 818401
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2024-Q3QoQ +1

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

Quarterly Headline

2024-Q3

Bank #818401 2024-Q3 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.66% of assets (threshold 3%).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 103.4% (threshold 100%).

What changed this quarter

Compared to Q2 2024:
↑ +1 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    — —
  • Reserves
    ↓ -1

The five pillars

Liquidity

WatchQoQ 0
55
Sub-score

Liquidity is deteriorating: brokered 14.3%, loans/deposits 103.4%, cash 1.7% of assets.

Cash / Assets
1.66%
Loans / Deposits
103.43%
Brokered %
14.32%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.4% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.66% 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

StrongQoQ +5
98
Sub-score

Capital position is strong: Tier 1 RBC 14.27%, CET1 14.27%, leverage 10.46%.

Tier 1 RBC
14.27%
CET1
14.27%
Leverage
10.46%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.37%, Texas Ratio 2.6%, NCO YTD -0.02%.

Adjusted NPL
0.37%
Govt-guarantees stripped
Texas Ratio
2.6%
NCO YTD
-0.02%
30-89 PD
0.25%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -1
82
Sub-score

Reserves are strong: ALLL 0.97% of loans, coverage 265.9%, true coverage 265.9%.

ALLL / Loans
0.97%
Coverage
265.9%
True Loss Coverage
265.9%
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 19:37:49 UTC