Liquidity
StrongQoQ +2
83
Sub-score
Liquidity is strong: brokered 4.3%, loans/deposits 72.7%, cash 4.3% of assets.
- Cash / Assets
- 4.29%
- Loans / Deposits
- 72.67%
- Brokered %
- 4.29%
No watch items at this period.
Nantahala Bank And Trust Company
IDRSSD: 3285778
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
80
/ 100
StrongAs of 2024-Q2QoQ +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-Q2
Bank #3285778 2024-Q2 Vital Signs Score: 80/100 — overall strong. 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 Q1 2024:
↑ +1 ptscomposite
- Liquidity↑ +2
- Securities↑ +5
- Capitalization↓ -1
- Asset Quality— —
- Reserves↑ 0
The five pillars
Securities
StrongQoQ +5
92
Sub-score
Securities profile is strong: securities 22.5% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 22.51%
SVB watch metric
No watch items at this period.
Capitalization
WatchQoQ -1
47
Sub-score
Capital position is deteriorating: Tier 1 RBC 10.55%, CET1 9.98%, leverage 6.51%.
- Tier 1 RBC
- 10.55%
- CET1
- 9.98%
- Leverage
- 6.51%
No watch items at this period.
Asset Quality
Strong
100
Sub-score
Asset quality is strong: Adjusted NPL 0.28%, Texas Ratio 2.5%, NCO YTD -0.05%.
- Adjusted NPL
- 0.28%
- Texas Ratio
- 2.5%
- NCO YTD
- -0.05%
- 30-89 PD
- 0.09%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ 0
86
Sub-score
Reserves are strong: ALLL 1.07% of loans, coverage 389.4%, true coverage 389.4%.
- ALLL / Loans
- 1.07%
- Coverage
- 389.4%
- True Loss Coverage
- 389.4%
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.tsfor 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