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Mainstreet Bank

IDRSSD: 3248849
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
77
/ 100
StableAs of 2024-Q2QoQ -11

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 #3248849 2024-Q2 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 36.8% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Brokered deposits above 30%
    Liquidity — Brokered 36.9% of deposits (threshold 30%).
  3. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.2% (threshold 100%).

What changed this quarter

Compared to Q1 2024:
↓ -11 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -51

The five pillars

Liquidity

WatchQoQ -5
52
Sub-score

Liquidity is deteriorating: brokered 36.9%, loans/deposits 101.2%, cash 4.4% of assets.

Cash / Assets
4.39%
Loans / Deposits
101.21%
Brokered %
36.88%

Watch Items

  • watchBrokered deposits above 30% — Brokered 36.9% of deposits (threshold 30%).
  • infoLoans / Deposits above 100% — Loans/Deposits 101.2% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.67%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.85%, CET1 15.85%, leverage 14.22%.

Tier 1 RBC
15.85%
CET1
15.85%
Leverage
14.22%
No watch items at this period.

Asset Quality

StrongQoQ -8
91
Sub-score

Asset quality is strong: Adjusted NPL 1.16%, Texas Ratio 6.6%, NCO YTD 0.08%.

Adjusted NPL
1.16%
Govt-guarantees stripped
Texas Ratio
6.6%
NCO YTD
0.08%
30-89 PD
0.82%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -51
26
Sub-score

Reserves are weak: ALLL 0.95% of loans, coverage 82.6%, true coverage 36.8%.

ALLL / Loans
0.95%
Coverage
82.6%
True Loss Coverage
36.8%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 36.8% (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: 2026-05-14 04:19:46 UTC