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Milestone Bank

IDRSSD: 3407084
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2023-Q4QoQ +4

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

Quarterly Headline

2023-Q4

Bank #3407084 2023-Q4 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 96.9% of deposits (threshold 30%).
  2. risk
    Uninsured deposits above 50%
    Liquidity — Uninsured 96.9% of deposits (threshold 50%).
  3. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q3 2023:
↑ +4 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    ↓ -50
  • Asset Quality
    ↑ +51
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -7
43
Sub-score

Liquidity is deteriorating: brokered 96.9%, loans/deposits 103.6%, cash 9.8% of assets.

Cash / Assets
9.79%
Loans / Deposits
103.61%
Brokered %
96.88%

Watch Items

  • riskBrokered deposits above 30% — Brokered 96.9% of deposits (threshold 30%).
  • riskUninsured deposits above 50% — Uninsured 96.9% of deposits (threshold 50%).
  • infoLoans / Deposits above 100% — Loans/Deposits 103.6% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.61%
No watch items at this period.

Capitalization

WatchQoQ -50
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 14.29%.

Tier 1 RBC
—
CET1
0.00%
Leverage
14.29%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ +51
76
Sub-score

Asset quality is stable: Adjusted NPL 0.76%, Texas Ratio 4.2%, NCO YTD 2.23%.

Adjusted NPL
0.76%
Govt-guarantees stripped
Texas Ratio
4.2%
NCO YTD
2.23%
30-89 PD
1.06%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 2.23% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.27% of loans, coverage 306.8%, true coverage 306.8%.

ALLL / Loans
2.27%
Coverage
306.8%
True Loss Coverage
306.8%
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 07:32:31 UTC