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Nano Banc

IDRSSD: 3635029
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2024-Q1QoQ +1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q1

Bank #3635029 2024-Q1 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.43% (govt-guarantees stripped).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.17% of loans.

What changed this quarter

Compared to Q4 2023:
↑ +1 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +4
  • Reserves
    ↓ -8

The five pillars

Liquidity

StableQoQ +7
75
Sub-score

Liquidity is stable: brokered 27.0%, loans/deposits 84.3%, cash 19.9% of assets.

Cash / Assets
19.95%
Loans / Deposits
84.28%
Brokered %
26.99%
No watch items at this period.

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 16.09%, CET1 16.09%, leverage 12.58%.

Tier 1 RBC
16.09%
CET1
16.09%
Leverage
12.58%
No watch items at this period.

Asset Quality

WatchQoQ +4
51
Sub-score

Asset quality is deteriorating: Adjusted NPL 5.43%, Texas Ratio 24.9%, NCO YTD 1.17%.

Adjusted NPL
5.43%
Govt-guarantees stripped
Texas Ratio
24.9%
NCO YTD
1.17%
30-89 PD
0.82%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.43% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.17% of loans.

Reserves

StableQoQ -8
71
Sub-score

Reserves are stable: ALLL 4.71% of loans, coverage 91.0%, true coverage 91.0%.

ALLL / Loans
4.71%
Coverage
91.0%
True Loss Coverage
91.0%
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: 2026-05-14 09:13:22 UTC