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Mutual Federal Bank

IDRSSD: 235174
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
93
/ 100
StrongAs of 2023-Q4QoQ -7

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 #235174 2023-Q4 Vital Signs Score: 93/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 121.9% (threshold 100%).

What changed this quarter

Compared to Q3 2023:
↓ -7 ptscomposite
  • Liquidity
    ↓ -24
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -8
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -24
76
Sub-score

Liquidity is stable: brokered 5.8%, loans/deposits 121.9%, cash 11.2% of assets.

Cash / Assets
11.22%
Loans / Deposits
121.88%
Brokered %
5.77%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 121.9% (threshold 100%).

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 22.49%, CET1 22.49%, leverage 15.07%.

Tier 1 RBC
22.49%
CET1
22.49%
Leverage
15.07%
No watch items at this period.

Asset Quality

StrongQoQ -8
92
Sub-score

Asset quality is strong: Adjusted NPL 0.76%, Texas Ratio 3.9%, NCO YTD -0.02%.

Adjusted NPL
0.76%
Govt-guarantees stripped
Texas Ratio
3.9%
NCO YTD
-0.02%
30-89 PD
1.21%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 1.52% of loans, coverage 202.6%, true coverage 202.6%.

ALLL / Loans
1.52%
Coverage
202.6%
True Loss Coverage
202.6%
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: 2026-05-13 06:20:36 UTC