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National Bank Of Commerce

IDRSSD: 775456
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
86
/ 100
StrongAs of 2024-Q2QoQ 0

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 #775456 2024-Q2 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q1 2024:
↓ 0 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +4

The five pillars

Liquidity

StableQoQ 0
74
Sub-score

Liquidity is stable: brokered 15.7%, loans/deposits 90.8%, cash 7.9% of assets.

Cash / Assets
7.91%
Loans / Deposits
90.77%
Brokered %
15.74%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.15%
No watch items at this period.

Capitalization

StrongQoQ -6
86
Sub-score

Capital position is strong: Tier 1 RBC 12.67%, CET1 12.67%, leverage 10.53%.

Tier 1 RBC
12.67%
CET1
12.67%
Leverage
10.53%
No watch items at this period.

Asset Quality

StrongQoQ +3
94
Sub-score

Asset quality is strong: Adjusted NPL 0.81%, Texas Ratio 5.3%, NCO YTD 0.01%.

Adjusted NPL
0.81%
Govt-guarantees stripped
Texas Ratio
5.3%
NCO YTD
0.01%
30-89 PD
0.29%
Band 0.3% / 3.0%
90+ PD
0.50%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +4
74
Sub-score

Reserves are stable: ALLL 1.12% of loans, coverage 140.7%, true coverage 138.3%.

ALLL / Loans
1.12%
Coverage
140.7%
True Loss Coverage
138.3%
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: 2026-05-12 10:29:45 UTC