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Methuen Co Operative Bank

IDRSSD: 157379
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2024-Q4QoQ +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-Q4

Bank #157379 2024-Q4 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.42% of loans.
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 45.6% (Adjusted NPL + Performing Mods denominator).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 47.0% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2024:
↑ +11 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↑ +53
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -10

The five pillars

Liquidity

StrongQoQ -3
92
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 83.1%, cash 9.5% of assets.

Cash / Assets
9.53%
Loans / Deposits
83.14%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 11.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
11.11%
No watch items at this period.

Capitalization

StrongQoQ +53
94
Sub-score

Capital position is strong: Tier 1 RBC 14.86%, CET1 14.86%, leverage 9.00%.

Tier 1 RBC
14.86%
CET1
14.86%
Leverage
9.00%
No watch items at this period.

Asset Quality

StrongQoQ -2
96
Sub-score

Asset quality is strong: Adjusted NPL 0.89%, Texas Ratio 7.1%, NCO YTD 0.00%.

Adjusted NPL
0.89%
Govt-guarantees stripped
Texas Ratio
7.1%
NCO YTD
0.00%
30-89 PD
0.02%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -10
7
Sub-score

Reserves are weak: ALLL 0.42% of loans, coverage 47.0%, true coverage 45.6%.

ALLL / Loans
0.42%
Coverage
47.0%
True Loss Coverage
45.6%

Watch Items

  • infoALLL / NPL below 50% — Coverage 47.0% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 45.6% (Adjusted NPL + Performing Mods denominator).
  • watchALLL / Loans below 0.75% — ALLL 0.42% of loans.

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 04:03:25 UTC