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Merrick Bank

IDRSSD: 2615190
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q3

Per-quarter snapshot for 2023-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
65
/ 100
StableAs of 2023-Q3QoQ -21

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

Quarterly Headline

2023-Q3

Bank #2615190 2023-Q3 Vital Signs Score: 65/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Risk
Reserves:Unknown

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 12.80% of loans.
  2. watch
    Brokered deposits above 30%
    Liquidity — Brokered 40.6% of deposits (threshold 30%).

What changed this quarter

Compared to Q2 2023:
↓ -21 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    — —
  • Reserves
    — —

The five pillars

Liquidity

Stable
75
Sub-score

Liquidity is stable: brokered 40.6%, cash 15.3% of assets.

Cash / Assets
15.31%
Loans / Deposits
—
Brokered %
40.56%

Watch Items

  • watchBrokered deposits above 30% — Brokered 40.6% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.10%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 25.65%, leverage 22.19%.

Tier 1 RBC
25.65%
CET1
—
Leverage
22.19%
No watch items at this period.

Asset Quality

Risk
0
Sub-score

Asset quality is weak: NCO YTD 12.80%.

Adjusted NPL
—
Govt-guarantees stripped
Texas Ratio
—
NCO YTD
12.80%
30-89 PD
—
Band 0.3% / 3.0%
90+ PD
—
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 12.80% of loans.

Reserves

Unknown
—
Sub-score

Insufficient data to compute a narrative for this pillar.

ALLL / Loans
—
Coverage
—
True Loss Coverage
—
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: 2026-05-13 11:59:23 UTC