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Midcountry Bank

IDRSSD: 3971
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
80
/ 100
StableAs of 2024-Q4QoQ +4

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 #3971 2024-Q4 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.81% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↑ +4 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↑ +7
  • Reserves
    ↑ 0

The five pillars

Liquidity

StrongQoQ +6
82
Sub-score

Liquidity is strong: brokered 1.7%, loans/deposits 85.4%, cash 6.1% of assets.

Cash / Assets
6.06%
Loans / Deposits
85.38%
Brokered %
1.71%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.14%
No watch items at this period.

Capitalization

StrongQoQ +4
96
Sub-score

Capital position is strong: Tier 1 RBC 13.78%, CET1 13.78%, leverage 11.12%.

Tier 1 RBC
13.78%
CET1
13.78%
Leverage
11.12%
No watch items at this period.

Asset Quality

StableQoQ +7
70
Sub-score

Asset quality is stable: Adjusted NPL 2.81%, Texas Ratio 15.9%, NCO YTD 0.99%.

Adjusted NPL
2.81%
Govt-guarantees stripped
Texas Ratio
15.9%
NCO YTD
0.99%
30-89 PD
0.54%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.81% (govt-guarantees stripped).

Reserves

WatchQoQ 0
47
Sub-score

Reserves are deteriorating: ALLL 1.71% of loans, coverage 62.0%, true coverage 52.5%.

ALLL / Loans
1.71%
Coverage
62.0%
True Loss Coverage
52.5%
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