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Nantahala Bank And Trust Company

IDRSSD: 3285778
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 +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-Q1

Bank #3285778 2024-Q1 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2023:
↑ +2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    ↑ +7
  • Capitalization
    ↑ +1
  • Asset Quality
    — —
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ +1
81
Sub-score

Liquidity is strong: brokered 5.2%, loans/deposits 72.6%, cash 3.6% of assets.

Cash / Assets
3.60%
Loans / Deposits
72.63%
Brokered %
5.21%
No watch items at this period.

Securities

StrongQoQ +7
87
Sub-score

Securities profile is strong: securities 23.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
23.89%
No watch items at this period.

Capitalization

WatchQoQ +1
48
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.50%, CET1 9.91%, leverage 6.34%.

Tier 1 RBC
10.50%
CET1
9.91%
Leverage
6.34%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.29%, Texas Ratio 2.7%, NCO YTD 0.00%.

Adjusted NPL
0.29%
Govt-guarantees stripped
Texas Ratio
2.7%
NCO YTD
0.00%
30-89 PD
0.03%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -1
85
Sub-score

Reserves are strong: ALLL 1.06% of loans, coverage 372.3%, true coverage 372.3%.

ALLL / Loans
1.06%
Coverage
372.3%
True Loss Coverage
372.3%
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 04:23:08 UTC