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IDRSSD: 2736291
Total Assets
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Latest filing
Total Deposits
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Latest filing
Net Interest Margin
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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
84
/ 100
StrongAs of 2024-Q4QoQ 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-Q4

Bank #2736291 2024-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.69% of loans.

What changed this quarter

Compared to Q3 2024:
↑ 0 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +5

The five pillars

Liquidity

StrongQoQ -2
84
Sub-score

Liquidity is strong: brokered 6.4%, loans/deposits 92.8%, cash 11.1% of assets.

Cash / Assets
11.06%
Loans / Deposits
92.77%
Brokered %
6.39%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.43%
No watch items at this period.

Capitalization

StrongQoQ -3
90
Sub-score

Capital position is strong: Tier 1 RBC 13.35%, CET1 13.35%, leverage 10.19%.

Tier 1 RBC
13.35%
CET1
13.35%
Leverage
10.19%
No watch items at this period.

Asset Quality

StrongQoQ +3
98
Sub-score

Asset quality is strong: Adjusted NPL 0.54%, Texas Ratio 3.8%, NCO YTD 0.18%.

Adjusted NPL
0.54%
Govt-guarantees stripped
Texas Ratio
3.8%
NCO YTD
0.18%
30-89 PD
0.37%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +5
34
Sub-score

Reserves are weak: ALLL 0.69% of loans, coverage 128.2%, true coverage 51.2%.

ALLL / Loans
0.69%
Coverage
128.2%
True Loss Coverage
51.2%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.69% 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 14:00:03 UTC