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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2024-Q3QoQ +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-Q3

Bank #3635029 2024-Q3 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.17% of loans.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.45% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↑ +7 ptscomposite
  • Liquidity
    ↑ +11
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +12
  • Reserves
    ↑ +15

The five pillars

Liquidity

StrongQoQ +11
86
Sub-score

Liquidity is strong: brokered 21.3%, loans/deposits 64.5%, cash 36.2% of assets.

Cash / Assets
36.22%
Loans / Deposits
64.53%
Brokered %
21.25%
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 19.56%, CET1 19.56%, leverage 11.48%.

Tier 1 RBC
19.56%
CET1
19.56%
Leverage
11.48%
No watch items at this period.

Asset Quality

WatchQoQ +12
50
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.45%, Texas Ratio 10.0%, NCO YTD 2.17%.

Adjusted NPL
2.45%
Govt-guarantees stripped
Texas Ratio
10.0%
NCO YTD
2.17%
30-89 PD
9.82%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.45% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 2.17% of loans.

Reserves

StrongQoQ +15
97
Sub-score

Reserves are strong: ALLL 4.40% of loans, coverage 187.6%, true coverage 187.6%.

ALLL / Loans
4.40%
Coverage
187.6%
True Loss Coverage
187.6%
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