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Mutual Federal Bank

IDRSSD: 235174
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
86
/ 100
StrongAs of 2024-Q3QoQ -3

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 #235174 2024-Q3 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 122.7% (threshold 100%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.13% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↓ -3 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ -28

The five pillars

Liquidity

StableQoQ +3
79
Sub-score

Liquidity is stable: brokered 1.6%, loans/deposits 122.7%, cash 10.5% of assets.

Cash / Assets
10.47%
Loans / Deposits
122.65%
Brokered %
1.57%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 122.7% (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 24.15%, CET1 24.15%, leverage 16.60%.

Tier 1 RBC
24.15%
CET1
24.15%
Leverage
16.60%
No watch items at this period.

Asset Quality

StrongQoQ +2
82
Sub-score

Asset quality is strong: Adjusted NPL 2.13%, Texas Ratio 10.0%, NCO YTD -0.01%.

Adjusted NPL
2.13%
Govt-guarantees stripped
Texas Ratio
10.0%
NCO YTD
-0.01%
30-89 PD
1.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.13% (govt-guarantees stripped).

Reserves

StableQoQ -28
63
Sub-score

Reserves are stable: ALLL 1.65% of loans, coverage 78.5%, true coverage 78.5%.

ALLL / Loans
1.65%
Coverage
78.5%
True Loss Coverage
78.5%
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