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Mutual Savings Association

IDRSSD: 636276
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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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
89
/ 100
StrongAs of 2024-Q3QoQ 0

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 #636276 2024-Q3 Vital Signs Score: 89/100 — 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. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.24% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↑ 0 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ +5

The five pillars

Liquidity

StableQoQ 0
63
Sub-score

Liquidity is stable: brokered 10.4%, loans/deposits 90.8%, cash 1.2% of assets.

Cash / Assets
1.24%
Loans / Deposits
90.81%
Brokered %
10.41%

Watch Items

  • watchCash / Assets below 3% — Cash 1.24% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.13%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 33.22%, CET1 33.22%, leverage 23.96%.

Tier 1 RBC
33.22%
CET1
33.22%
Leverage
23.96%
No watch items at this period.

Asset Quality

StrongQoQ -3
96
Sub-score

Asset quality is strong: Adjusted NPL 0.25%, Texas Ratio 0.6%, NCO YTD 0.57%.

Adjusted NPL
0.25%
Govt-guarantees stripped
Texas Ratio
0.6%
NCO YTD
0.57%
30-89 PD
0.33%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +5
83
Sub-score

Reserves are strong: ALLL 1.00% of loans, coverage 398.6%, true coverage 312.9%.

ALLL / Loans
1.00%
Coverage
398.6%
True Loss Coverage
312.9%
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 08:33:23 UTC