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Midfirst Bank

IDRSSD: 595270
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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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
55
/ 100
WatchAs of 2024-Q2QoQ +1

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 #595270 2024-Q2 Vital Signs Score: 55/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 7.2% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 7.3% (regulatory soft-warning level 50%).
  3. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 133.7% (threshold 100%).

What changed this quarter

Compared to Q1 2024:
↑ +1 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +1

The five pillars

Liquidity

WatchQoQ 0
53
Sub-score

Liquidity is deteriorating: brokered 10.6%, loans/deposits 133.7%, cash 1.2% of assets.

Cash / Assets
1.23%
Loans / Deposits
133.72%
Brokered %
10.60%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 133.7% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.23% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.75%
No watch items at this period.

Capitalization

StrongQoQ +1
95
Sub-score

Capital position is strong: Tier 1 RBC 17.60%, CET1 17.60%, leverage 8.89%.

Tier 1 RBC
17.60%
CET1
17.60%
Leverage
8.89%
No watch items at this period.

Asset Quality

RiskQoQ +1
20
Sub-score

Asset quality is weak: Adjusted NPL 9.24%, Texas Ratio 80.4%, NCO YTD 0.01%.

Adjusted NPL
9.24%
Govt-guarantees stripped
Texas Ratio
80.4%
NCO YTD
0.01%
30-89 PD
7.39%
Band 0.3% / 3.0%
90+ PD
8.97%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 9.24% (govt-guarantees stripped).
  • watchTexas Ratio above 50% — Texas Ratio 80.4% (industry watch band 50% / risk band 100%).
  • risk90+ days past due elevated — 90+ PD 8.97%.

Reserves

RiskQoQ +1
6
Sub-score

Reserves are weak: ALLL 0.67% of loans, coverage 7.3%, true coverage 7.2%.

ALLL / Loans
0.67%
Coverage
7.3%
True Loss Coverage
7.2%

Watch Items

  • riskALLL / NPL below 50% — Coverage 7.3% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 7.2% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.67% 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 02:45:35 UTC