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Nexbank

IDRSSD: 652874
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2024-Q3QoQ -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-Q3

Bank #652874 2024-Q3 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / NPL below 50%
    Reserves — Coverage 31.5% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 31.5% (Adjusted NPL + Performing Mods denominator).
  3. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.42% of loans.

What changed this quarter

Compared to Q2 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +6
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -4

The five pillars

Liquidity

StableQoQ -2
69
Sub-score

Liquidity is stable: brokered 9.4%, loans/deposits 86.8%, cash 2.8% of assets.

Cash / Assets
2.84%
Loans / Deposits
86.76%
Brokered %
9.38%

Watch Items

  • infoCash / Assets below 3% — Cash 2.84% of assets (threshold 3%).

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

StrongQoQ +6
93
Sub-score

Capital position is strong: Tier 1 RBC 14.68%, CET1 14.68%, leverage 9.07%.

Tier 1 RBC
14.68%
CET1
14.68%
Leverage
9.07%
No watch items at this period.

Asset Quality

StrongQoQ -5
81
Sub-score

Asset quality is strong: Adjusted NPL 1.33%, Texas Ratio 8.7%, NCO YTD 0.00%.

Adjusted NPL
1.33%
Govt-guarantees stripped
Texas Ratio
8.7%
NCO YTD
0.00%
30-89 PD
1.52%
Band 0.3% / 3.0%
90+ PD
0.62%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -4
1
Sub-score

Reserves are weak: ALLL 0.42% of loans, coverage 31.5%, true coverage 31.5%.

ALLL / Loans
0.42%
Coverage
31.5%
True Loss Coverage
31.5%

Watch Items

  • watchALLL / NPL below 50% — Coverage 31.5% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 31.5% (Adjusted NPL + Performing Mods denominator).
  • watchALLL / Loans below 0.75% — ALLL 0.42% of loans.

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 08:57:47 UTC