Visbanking Logo
Skip to main content

Nano Banc

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

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2024-Q2QoQ -2

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

Quarterly Headline

2024-Q2

Bank #3635029 2024-Q2 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.79% (govt-guarantees stripped).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.98% of loans.

What changed this quarter

Compared to Q1 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -13
  • Reserves
    ↑ +11

The five pillars

Liquidity

StableQoQ 0
75
Sub-score

Liquidity is stable: brokered 27.6%, loans/deposits 82.6%, cash 21.4% of assets.

Cash / Assets
21.40%
Loans / Deposits
82.56%
Brokered %
27.64%
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 17.00%, CET1 17.00%, leverage 13.10%.

Tier 1 RBC
17.00%
CET1
17.00%
Leverage
13.10%
No watch items at this period.

Asset Quality

RiskQoQ -13
38
Sub-score

Asset quality is weak: Adjusted NPL 3.79%, Texas Ratio 17.1%, NCO YTD 1.98%.

Adjusted NPL
3.79%
Govt-guarantees stripped
Texas Ratio
17.1%
NCO YTD
1.98%
30-89 PD
3.79%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.79% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 1.98% of loans.

Reserves

StrongQoQ +11
82
Sub-score

Reserves are strong: ALLL 4.38% of loans, coverage 121.0%, true coverage 121.0%.

ALLL / Loans
4.38%
Coverage
121.0%
True Loss Coverage
121.0%
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