Liquidity
StrongQoQ -5
87
Sub-score
Liquidity is strong: brokered 2.6%, loans/deposits 86.4%, cash 8.4% of assets.
- Cash / Assets
- 8.41%
- Loans / Deposits
- 86.41%
- Brokered %
- 2.56%
No watch items at this period.
Millennium Bank
IDRSSD: 2820604
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2026-Q1
Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
73
/ 100
StableAs of 2026-Q1QoQ -1
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2026-Q1
Bank #2820604 2026-Q1 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).
Liquidity:Strong
Securities:Strong
Capitalization:Watch
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 Q4 2025:
↓ -1 ptscomposite
- Liquidity↓ -5
- Securities— —
- Capitalization↓ -1
- Asset Quality↑ +1
- Reserves↑ +3
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 1.7% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 1.75%
SVB watch metric
No watch items at this period.
Capitalization
WatchQoQ -1
51
Sub-score
Capital position is deteriorating: Tier 1 RBC 10.00%, CET1 10.00%, leverage 8.22%.
- Tier 1 RBC
- 10.00%
- CET1
- 10.00%
- Leverage
- 8.22%
No watch items at this period.
Asset Quality
StrongQoQ +1
86
Sub-score
Asset quality is strong: Adjusted NPL 1.92%, Texas Ratio 16.1%, NCO YTD 0.00%.
- Adjusted NPL
- 1.92%
- Texas Ratio
- 16.1%
- NCO YTD
- 0.00%
- 30-89 PD
- 0.41%
- 90+ PD
- 0.06%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
WatchQoQ +3
42
Sub-score
Reserves are deteriorating: ALLL 1.26% of loans, coverage 66.5%, true coverage 57.8%.
- ALLL / Loans
- 1.26%
- Coverage
- 66.5%
- True Loss Coverage
- 57.8%
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.tsfor 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 13:40:23 UTC