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Millennium Bank

IDRSSD: 3547896
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2024-Q3QoQ +1

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

Quarterly Headline

2024-Q3

Bank #3547896 2024-Q3 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 32.7% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 36.4% (regulatory soft-warning level 50%).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.65% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↑ +1 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +11
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ -8
85
Sub-score

Liquidity is strong: brokered 0.1%, loans/deposits 100.5%, cash 15.9% of assets.

Cash / Assets
15.86%
Loans / Deposits
100.50%
Brokered %
0.10%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.5% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.52%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.58%, CET1 17.58%, leverage 14.37%.

Tier 1 RBC
17.58%
CET1
17.58%
Leverage
14.37%
No watch items at this period.

Asset Quality

WatchQoQ +11
57
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.65%, Texas Ratio 24.8%, NCO YTD 0.18%.

Adjusted NPL
4.65%
Govt-guarantees stripped
Texas Ratio
24.8%
NCO YTD
0.18%
30-89 PD
1.53%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.65% (govt-guarantees stripped).

Reserves

RiskQoQ +1
35
Sub-score

Reserves are weak: ALLL 1.67% of loans, coverage 36.4%, true coverage 32.7%.

ALLL / Loans
1.67%
Coverage
36.4%
True Loss Coverage
32.7%

Watch Items

  • watchALLL / NPL below 50% — Coverage 36.4% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 32.7% (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