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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 — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2024-Q4QoQ -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-Q4

Bank #3407084 2024-Q4 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (risk).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 95.4% of deposits (threshold 30%).
  2. risk
    Uninsured deposits above 50%
    Liquidity — Uninsured 95.3% of deposits (threshold 50%).
  3. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q3 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -13
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ 0
  • Reserves
    — —

The five pillars

Liquidity

RiskQoQ -13
38
Sub-score

Liquidity is weak: brokered 95.4%, loans/deposits 107.1%, cash 8.4% of assets.

Cash / Assets
8.36%
Loans / Deposits
107.07%
Brokered %
95.45%

Watch Items

  • riskBrokered deposits above 30% — Brokered 95.4% of deposits (threshold 30%).
  • riskUninsured deposits above 50% — Uninsured 95.3% of deposits (threshold 50%).
  • watchLoans / Deposits above 100% — Loans/Deposits 107.1% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.52%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 12.14%.

Tier 1 RBC
—
CET1
0.00%
Leverage
12.14%

Watch Items

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

Asset Quality

StableQoQ 0
76
Sub-score

Asset quality is stable: Adjusted NPL 0.83%, Texas Ratio 5.0%, NCO YTD 3.47%.

Adjusted NPL
0.83%
Govt-guarantees stripped
Texas Ratio
5.0%
NCO YTD
3.47%
30-89 PD
0.95%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 3.47% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.23% of loans, coverage 274.6%, true coverage 175.9%.

ALLL / Loans
2.23%
Coverage
274.6%
True Loss Coverage
175.9%
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