Nano Banc

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

  Texas Ratio exceeded 100% (now 163.3%)

  Texas Ratio >100% is the classic failure-warning threshold. Bank is at 163.26%.
• !

  Warning· Peer Outlier Alert

  AFS Securities / Assets QoQ change is -2.1σ from peer-group average

  Moved from 7.38% to 2.41%; peers averaged a -0.15% change.
• !

  Warning· Threshold Crossing Alert

  NPL ratio exceeded 5% (now 20.56%)

  5% NPL ratio is well above industry average; signals deteriorating credit. Bank is at 20.56%.
• i

  Info· Peer Outlier Alert

  Cash / Assets QoQ change is 2.3σ from peer-group average

  Moved from 28.97% to 38.08%; peers averaged a 0.16% change.
• i

  Info· Peer Outlier Alert

  FHLB Advances / Liabilities QoQ change is -3.3σ from peer-group average

  Moved from 6.07% to 0.00%; peers averaged a -0.23% change.
• i

  Info· Peer Outlier Alert

  Net Charge-Offs / Avg Loans QoQ change is -5.7σ from peer-group average

  Moved from 8.07% to 0.36%; peers averaged a -0.11% change.
• i

  Info· Peer Outlier Alert

  NPA / Assets QoQ change is -8.9σ from peer-group average

  Moved from 15.04% to 12.20%; peers averaged a 0.00% change.
• i

  Info· Peer Outlier Alert

  NPL / Loans QoQ change is -9.6σ from peer-group average

  Moved from 24.29% to 20.56%; peers averaged a 0.01% change.
• i

  Info· Peer Outlier Alert

  Pre-tax NOI / Avg Assets QoQ change is 5.2σ from peer-group average

  Moved from -7.25% to -0.10%; peers averaged a 0.10% change.
• i

  Info· Peer Outlier Alert

  Return on Assets QoQ change is 6.3σ from peer-group average

  Moved from -7.25% to -0.10%; peers averaged a 0.08% change.
• i

  Info· Peer Outlier Alert

  Return on Equity QoQ change is 12.0σ from peer-group average

  Moved from -109.23% to -1.78%; peers averaged a 0.73% change.
• i

  Info· Peer Outlier Alert

  Texas Ratio (regulatory) QoQ change is -14.9σ from peer-group average

  Moved from 202.59% to 163.26%; peers averaged a 0.05% 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: 2026-05-14 09:14:33 UTC