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Meridian Bank

IDRSSD: 3271799
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
63
/ 100
StableAs of 2023-Q4QoQ -24

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 #3271799 2023-Q4 Vital Signs Score: 63/100 — 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. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 104.0% (threshold 100%).
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.52% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↓ -24 ptscomposite
  • Liquidity
    ↓ -11
  • Securities
    — —
  • Capitalization
    ↓ -49
  • Asset Quality
    ↓ -10
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -11
51
Sub-score

Liquidity is deteriorating: brokered 23.5%, loans/deposits 104.0%, cash 2.5% of assets.

Cash / Assets
2.52%
Loans / Deposits
103.97%
Brokered %
23.54%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 104.0% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.52% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.95%
No watch items at this period.

Capitalization

WatchQoQ -49
45
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.45%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.45%

Watch Items

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

Asset Quality

StrongQoQ -10
85
Sub-score

Asset quality is strong: Adjusted NPL 1.78%, Texas Ratio 14.5%, NCO YTD 0.46%.

Adjusted NPL
1.78%
Govt-guarantees stripped
Texas Ratio
14.5%
NCO YTD
0.46%
30-89 PD
0.31%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Risk
38
Sub-score

Reserves are weak: ALLL 1.15% of loans, coverage 65.5%, true coverage 57.6%.

ALLL / Loans
1.15%
Coverage
65.5%
True Loss Coverage
57.6%
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 04:22:35 UTC