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Midcountry Bank

IDRSSD: 3971
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
82
/ 100
StrongAs of 2023-Q4QoQ +1

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 #3971 2023-Q4 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.60% of loans.

What changed this quarter

Compared to Q3 2023:
↑ +1 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    ↑ +7
  • Asset Quality
    ↑ +10
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -7
72
Sub-score

Liquidity is stable: brokered 2.9%, loans/deposits 94.6%, cash 4.0% of assets.

Cash / Assets
4.01%
Loans / Deposits
94.61%
Brokered %
2.94%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.68%
No watch items at this period.

Capitalization

StrongQoQ +7
88
Sub-score

Capital position is strong: Tier 1 RBC 12.24%, CET1 12.24%, leverage 10.32%.

Tier 1 RBC
12.24%
CET1
12.24%
Leverage
10.32%
No watch items at this period.

Asset Quality

StrongQoQ +10
81
Sub-score

Asset quality is strong: Adjusted NPL 0.89%, Texas Ratio 5.9%, NCO YTD 1.60%.

Adjusted NPL
0.89%
Govt-guarantees stripped
Texas Ratio
5.9%
NCO YTD
1.60%
30-89 PD
0.52%
Band 0.3% / 3.0%
90+ PD
0.16%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.60% of loans.

Reserves

Stable
70
Sub-score

Reserves are stable: ALLL 1.31% of loans, coverage 148.4%, true coverage 74.6%.

ALLL / Loans
1.31%
Coverage
148.4%
True Loss Coverage
74.6%
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: 2026-05-13 06:43:54 UTC