Visbanking Logo
Skip to main content

Middlesex Savings Bank

IDRSSD: 888002
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
91
/ 100
StrongAs of 2024-Q2QoQ -5

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

Quarterly Headline

2024-Q2

Bank #888002 2024-Q2 Vital Signs Score: 91/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.40% of loans.
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.75% of loans.

What changed this quarter

Compared to Q1 2024:
↓ -5 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -10
  • Reserves
    ↓ -13

The five pillars

Liquidity

StrongQoQ -5
89
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 72.6%, cash 5.7% of assets.

Cash / Assets
5.74%
Loans / Deposits
72.63%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.47%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.62%, CET1 16.62%, leverage 12.13%.

Tier 1 RBC
16.62%
CET1
16.62%
Leverage
12.13%
No watch items at this period.

Asset Quality

StrongQoQ -10
89
Sub-score

Asset quality is strong: Adjusted NPL 0.09%, Texas Ratio 0.4%, NCO YTD 1.40%.

Adjusted NPL
0.09%
Govt-guarantees stripped
Texas Ratio
0.4%
NCO YTD
1.40%
30-89 PD
0.03%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.40% of loans.

Reserves

StableQoQ -13
75
Sub-score

Reserves are stable: ALLL 0.75% of loans, coverage 823.8%, true coverage 544.0%.

ALLL / Loans
0.75%
Coverage
823.8%
True Loss Coverage
544.0%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.75% 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: 2026-05-14 19:29:13 UTC