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New Carlisle Federal Savings Bank

IDRSSD: 646873
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
64
/ 100
StableAs 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 #646873 2024-Q4 Vital Signs Score: 64/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 127.0% (threshold 100%).

What changed this quarter

Compared to Q3 2024:
↓ -7 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -30

The five pillars

Liquidity

StableQoQ +2
67
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 127.0%, cash 4.0% of assets.

Cash / Assets
4.02%
Loans / Deposits
127.01%
Brokered %
0.00%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 127.0% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

WatchQoQ -4
50
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.88%, CET1 9.88%, leverage 8.66%.

Tier 1 RBC
9.88%
CET1
9.88%
Leverage
8.66%
No watch items at this period.

Asset Quality

StableQoQ -8
75
Sub-score

Asset quality is stable: Adjusted NPL 1.51%, Texas Ratio 14.3%, NCO YTD 0.00%.

Adjusted NPL
1.51%
Govt-guarantees stripped
Texas Ratio
14.3%
NCO YTD
0.00%
30-89 PD
2.38%
Band 0.3% / 3.0%
90+ PD
0.40%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -30
30
Sub-score

Reserves are weak: ALLL 0.94% of loans, coverage 62.6%, true coverage 57.1%.

ALLL / Loans
0.94%
Coverage
62.6%
True Loss Coverage
57.1%
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: 2026-05-13 06:56:24 UTC