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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2024-Q3QoQ -3

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

Quarterly Headline

2024-Q3

Bank #122546 2024-Q3 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.88% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -7
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ 0

The five pillars

Liquidity

StableQoQ -3
72
Sub-score

Liquidity is stable: brokered 4.2%, loans/deposits 89.4%, cash 2.9% of assets.

Cash / Assets
2.88%
Loans / Deposits
89.39%
Brokered %
4.24%

Watch Items

  • infoCash / Assets below 3% — Cash 2.88% 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

StrongQoQ -7
83
Sub-score

Capital position is strong: Tier 1 RBC 12.70%, CET1 12.70%, leverage 9.16%.

Tier 1 RBC
12.70%
CET1
12.70%
Leverage
9.16%
No watch items at this period.

Asset Quality

StableQoQ -2
78
Sub-score

Asset quality is stable: Adjusted NPL 1.53%, Texas Ratio 11.6%, NCO YTD 0.50%.

Adjusted NPL
1.53%
Govt-guarantees stripped
Texas Ratio
11.6%
NCO YTD
0.50%
30-89 PD
0.54%
Band 0.3% / 3.0%
90+ PD
0.93%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ 0
54
Sub-score

Reserves are deteriorating: ALLL 1.20% of loans, coverage 79.6%, true coverage 79.6%.

ALLL / Loans
1.20%
Coverage
79.6%
True Loss Coverage
79.6%
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