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Millennium Bank

IDRSSD: 3547896
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
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
78
/ 100
StableAs of 2023-Q4QoQ -22

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 #3547896 2023-Q4 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.17% (govt-guarantees stripped).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.56% of loans.
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 48.1% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2023:
↓ -22 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -51
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -4
95
Sub-score

Liquidity is strong: brokered 0.5%, loans/deposits 78.5%, cash 25.4% of assets.

Cash / Assets
25.37%
Loans / Deposits
78.55%
Brokered %
0.48%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.92%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 23.39%, CET1 23.39%, leverage 16.06%.

Tier 1 RBC
23.39%
CET1
23.39%
Leverage
16.06%
No watch items at this period.

Asset Quality

WatchQoQ -51
49
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.17%, Texas Ratio 12.6%, NCO YTD 1.56%.

Adjusted NPL
3.17%
Govt-guarantees stripped
Texas Ratio
12.6%
NCO YTD
1.56%
30-89 PD
1.87%
Band 0.3% / 3.0%
90+ PD
0.74%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.17% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 1.56% of loans.

Reserves

Watch
42
Sub-score

Reserves are deteriorating: ALLL 1.50% of loans, coverage 48.1%, true coverage 48.1%.

ALLL / Loans
1.50%
Coverage
48.1%
True Loss Coverage
48.1%

Watch Items

  • infoALLL / NPL below 50% — Coverage 48.1% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 48.1% (Adjusted NPL + Performing Mods denominator).

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 08:47:24 UTC