Liquidity
StrongQoQ -1
81
Sub-score
Liquidity is strong: brokered 10.4%, loans/deposits 88.0%, cash 8.4% of assets.
- Cash / Assets
- 8.40%
- Loans / Deposits
- 87.98%
- Brokered %
- 10.42%
No watch items at this period.
National Bank Of Commerce
IDRSSD: 775456
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2024-Q4
Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
80
/ 100
StrongAs of 2024-Q4QoQ -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-Q4
Bank #775456 2024-Q4 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).
Liquidity:Strong
Securities:Strong
Capitalization:Watch
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 Q3 2024:
↓ -7 ptscomposite
- Liquidity↓ -1
- Securities— —
- Capitalization↓ -29
- Asset Quality↑ +4
- Reserves↓ -6
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 2.4% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 2.44%
SVB watch metric
No watch items at this period.
Capitalization
WatchQoQ -29
57
Sub-score
Capital position is deteriorating: Tier 1 RBC 10.07%, CET1 10.07%, leverage 10.51%.
- Tier 1 RBC
- 10.07%
- CET1
- 10.07%
- Leverage
- 10.51%
No watch items at this period.
Asset Quality
StrongQoQ +4
97
Sub-score
Asset quality is strong: Adjusted NPL 0.63%, Texas Ratio 5.4%, NCO YTD -0.01%.
- Adjusted NPL
- 0.63%
- Texas Ratio
- 5.4%
- NCO YTD
- -0.01%
- 30-89 PD
- 0.29%
- 90+ PD
- 0.30%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StableQoQ -6
70
Sub-score
Reserves are stable: ALLL 0.94% of loans, coverage 150.5%, true coverage 148.4%.
- ALLL / Loans
- 0.94%
- Coverage
- 150.5%
- True Loss Coverage
- 148.4%
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: 2026-05-12 10:29:45 UTC