Mutualone Bank

Summary

Headline KPIs

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

• ×

  Critical· Threshold Crossing Alert

  CET1 / RWA fell below 6.5% (now 0.00%)

  Basel III well-capitalized CET1 floor is 6.5%. Bank is at 0.00%.
• ×

  Critical· Cliff Drop Alert

  Net Charge-Offs / Avg Loans dropped 99 percentile points vs prior quarter

  Now ranks at the 1th percentile of peers (was 99th).
• ×

  Critical· Peer Outlier Alert

  Net Charge-Offs / Avg Loans QoQ change is 3.8σ from peer-group average

  Moved from -0.32% to 4.87%; peers averaged a -0.14% change.
• ×

  Critical· Cliff Drop Alert

  Pre-tax NOI / Avg Assets dropped 48 percentile points vs prior quarter

  Now ranks at the 6th percentile of peers (was 55th).
• ×

  Critical· Cliff Drop Alert

  Return on Assets dropped 40 percentile points vs prior quarter

  Now ranks at the 7th percentile of peers (was 47th).
• !

  Warning· Threshold Crossing Alert

  NPL ratio exceeded 5% (now 6.47%)

  5% NPL ratio is well above industry average; signals deteriorating credit. Bank is at 6.47%.
• !

  Warning· Threshold Crossing Alert

  Tier 1 Leverage fell below 5.0% (now 0.00%)

  Basel III well-capitalized Tier 1 leverage floor is 5.0%. Bank is at 0.00%.
• i

  Info· Peer Outlier Alert

  NPA / Assets QoQ change is -4.7σ from peer-group average

  Moved from 6.51% to 4.76%; peers averaged a 0.01% change.
• i

  Info· Peer Outlier Alert

  NPL / Loans QoQ change is -3.8σ from peer-group average

  Moved from 8.35% to 6.47%; peers averaged a 0.01% change.
• i

  Info· Peer Outlier Alert

  Texas Ratio (regulatory) QoQ change is -2.0σ from peer-group average

  Moved from 27.90% to 21.10%; peers averaged a 0.07% change.

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Methodology

Health Score (0-100)

Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.

Peer group

Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.

Cliff Drop Alert

Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.

Peer Outlier Alert

Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.

Threshold Crossing Alert

Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.

Source

FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-13 04:01:37 UTC