Visbanking Logo
Skip to main content

Midwest Regional Bank

IDRSSD: 691958
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
68
/ 100
StableAs of 2024-Q4QoQ -12

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 #691958 2024-Q4 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.13% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↓ -12 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -18
  • Reserves
    ↓ -49

The five pillars

Liquidity

StableQoQ -1
70
Sub-score

Liquidity is stable: brokered 8.2%, loans/deposits 91.3%, cash 3.9% of assets.

Cash / Assets
3.95%
Loans / Deposits
91.35%
Brokered %
8.16%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.16%
No watch items at this period.

Capitalization

WatchQoQ 0
57
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.28%, CET1 10.28%, leverage 9.25%.

Tier 1 RBC
10.28%
CET1
10.28%
Leverage
9.25%
No watch items at this period.

Asset Quality

StableQoQ -18
80
Sub-score

Asset quality is stable: Adjusted NPL 2.13%, Texas Ratio 17.0%, NCO YTD 0.46%.

Adjusted NPL
2.13%
Govt-guarantees stripped
Texas Ratio
17.0%
NCO YTD
0.46%
30-89 PD
0.63%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.13% (govt-guarantees stripped).

Reserves

RiskQoQ -49
31
Sub-score

Reserves are weak: ALLL 1.10% of loans, coverage 52.1%, true coverage 52.1%.

ALLL / Loans
1.10%
Coverage
52.1%
True Loss Coverage
52.1%
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: 2026-05-14 19:14:07 UTC