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Midwest National Bank

IDRSSD: 122546
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
81
/ 100
StrongAs of 2024-Q2QoQ -7

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 #122546 2024-Q2 Vital Signs Score: 81/100 — 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

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q1 2024:
↓ -7 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -22

The five pillars

Liquidity

StableQoQ -8
75
Sub-score

Liquidity is stable: brokered 2.0%, loans/deposits 90.9%, cash 4.0% of assets.

Cash / Assets
4.05%
Loans / Deposits
90.94%
Brokered %
2.04%
No watch items at this period.

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

StrongQoQ -6
90
Sub-score

Capital position is strong: Tier 1 RBC 13.37%, CET1 13.37%, leverage 9.43%.

Tier 1 RBC
13.37%
CET1
13.37%
Leverage
9.43%
No watch items at this period.

Asset Quality

StrongQoQ -2
81
Sub-score

Asset quality is strong: Adjusted NPL 1.74%, Texas Ratio 12.6%, NCO YTD 0.08%.

Adjusted NPL
1.74%
Govt-guarantees stripped
Texas Ratio
12.6%
NCO YTD
0.08%
30-89 PD
0.72%
Band 0.3% / 3.0%
90+ PD
0.74%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -22
54
Sub-score

Reserves are deteriorating: ALLL 1.30% of loans, coverage 75.7%, true coverage 75.7%.

ALLL / Loans
1.30%
Coverage
75.7%
True Loss Coverage
75.7%
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 16:09:25 UTC