Liquidity
StableQoQ -25
70
Sub-score
Liquidity is stable: cash 4.6% of assets.
- Cash / Assets
- 4.62%
- Loans / Deposits
- —
- Brokered %
- —
No watch items at this period.
Na
IDRSSD: 4032791
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2024-Q4
Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
62
/ 100
StableAs of 2024-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
2024-Q4
Bank #4032791 2024-Q4 Vital Signs Score: 62/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Reserves (risk).
Liquidity:Stable
Securities:Stable
Capitalization:Watch
Asset Quality:Strong
Reserves:Risk
Top 3 Watch Items
- riskCET1 below 7%Capitalization — CET1 0.00% (threshold 7%).
- riskALLL / Loans below 0.75%Reserves — ALLL 0.00% of loans.
What changed this quarter
Compared to Q3 2024:
↓ -7 ptscomposite
- Liquidity↓ -25
- Securities↓ -12
- Capitalization— —
- Asset Quality— —
- Reserves— —
The five pillars
Securities
StableQoQ -12
70
Sub-score
Securities profile is stable: securities 29.0% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 28.95%
SVB watch metric
No watch items at this period.
Capitalization
Watch
50
Sub-score
Capital position is deteriorating: CET1 0.00%, leverage 40.49%.
- Tier 1 RBC
- —
- CET1
- 0.00%
- Leverage
- 40.49%
Watch Items
- riskCET1 below 7% — CET1 0.00% (threshold 7%).
Asset Quality
Strong
100
Sub-score
Asset quality is strong: Texas Ratio 0.0%.
- Adjusted NPL
- —
- Texas Ratio
- 0.0%
- NCO YTD
- —
- 30-89 PD
- —
- 90+ PD
- —
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
Risk
0
Sub-score
Reserves are weak: ALLL 0.00% of loans.
- ALLL / Loans
- 0.00%
- Coverage
- —
- True Loss Coverage
- —
Watch Items
- riskALLL / Loans below 0.75% — ALLL 0.00% of loans.
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.tsfor 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: 2026-05-15 11:21:12 UTC