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Midland Community Bank

IDRSSD: 822631
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
83
/ 100
StrongAs of 2024-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

2024-Q4

Bank #822631 2024-Q4 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.56% of assets (threshold 3%).
  2. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.54% of loans.

What changed this quarter

Compared to Q3 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -4
  • Reserves
    ↑ +11

The five pillars

Liquidity

StableQoQ +2
77
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 76.1%, cash 0.6% of assets.

Cash / Assets
0.56%
Loans / Deposits
76.07%
Brokered %
0.00%

Watch Items

  • riskCash / Assets below 3% — Cash 0.56% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 20.85%, CET1 20.85%, leverage 15.09%.

Tier 1 RBC
20.85%
CET1
20.85%
Leverage
15.09%
No watch items at this period.

Asset Quality

StrongQoQ -4
80
Sub-score

Asset quality is strong: Adjusted NPL 0.49%, Texas Ratio 2.0%, NCO YTD 0.43%.

Adjusted NPL
0.49%
Govt-guarantees stripped
Texas Ratio
2.0%
NCO YTD
0.43%
30-89 PD
2.41%
Band 0.3% / 3.0%
90+ PD
0.49%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +11
48
Sub-score

Reserves are deteriorating: ALLL 0.54% of loans, coverage 110.8%, true coverage 110.8%.

ALLL / Loans
0.54%
Coverage
110.8%
True Loss Coverage
110.8%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.54% 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: 2026-05-12 21:35:54 UTC