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National Bank Of St Anne

IDRSSD: 760340
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
61
/ 100
StableAs of 2024-Q4QoQ -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-Q4

Bank #760340 2024-Q4 Vital Signs Score: 61/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 2.62%.
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 36.6% (regulatory soft-warning level 50%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 36.6% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -10

The five pillars

Liquidity

StrongQoQ +6
87
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 85.7%, cash 7.5% of assets.

Cash / Assets
7.52%
Loans / Deposits
85.65%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.95%
No watch items at this period.

Capitalization

WatchQoQ -3
54
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.28%, CET1 10.28%, leverage 8.53%.

Tier 1 RBC
10.28%
CET1
10.28%
Leverage
8.53%
No watch items at this period.

Asset Quality

WatchQoQ -4
50
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.81%, Texas Ratio 23.4%, NCO YTD 0.18%.

Adjusted NPL
2.81%
Govt-guarantees stripped
Texas Ratio
23.4%
NCO YTD
0.18%
30-89 PD
1.99%
Band 0.3% / 3.0%
90+ PD
2.62%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.81% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 2.62%.

Reserves

RiskQoQ -10
20
Sub-score

Reserves are weak: ALLL 1.02% of loans, coverage 36.6%, true coverage 36.6%.

ALLL / Loans
1.02%
Coverage
36.6%
True Loss Coverage
36.6%

Watch Items

  • watchALLL / NPL below 50% — Coverage 36.6% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 36.6% (Adjusted NPL + Performing Mods denominator).

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 16:25:42 UTC