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Mountainone Bank

IDRSSD: 97804
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2024-Q2QoQ -4

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

Quarterly Headline

2024-Q2

Bank #97804 2024-Q2 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.07% of assets (threshold 3%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 49.6% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2024:
↓ -4 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -24

The five pillars

Liquidity

WatchQoQ -3
57
Sub-score

Liquidity is deteriorating: brokered 15.0%, loans/deposits 96.9%, cash 1.1% of assets.

Cash / Assets
1.07%
Loans / Deposits
96.93%
Brokered %
15.03%

Watch Items

  • watchCash / Assets below 3% — Cash 1.07% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.83%, CET1 16.83%, leverage 14.11%.

Tier 1 RBC
16.83%
CET1
16.83%
Leverage
14.11%
No watch items at this period.

Asset Quality

StrongQoQ +1
99
Sub-score

Asset quality is strong: Adjusted NPL 0.26%, Texas Ratio 1.2%, NCO YTD 0.24%.

Adjusted NPL
0.26%
Govt-guarantees stripped
Texas Ratio
1.2%
NCO YTD
0.24%
30-89 PD
0.08%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -24
64
Sub-score

Reserves are stable: ALLL 1.13% of loans, coverage 443.5%, true coverage 49.6%.

ALLL / Loans
1.13%
Coverage
443.5%
True Loss Coverage
49.6%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.6% (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 19:40:10 UTC