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IDRSSD: 2654911
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 — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2023-Q4QoQ -11

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #2654911 2023-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. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.23% of loans.

What changed this quarter

Compared to Q3 2023:
↓ -11 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    — —
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ 0
93
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 30.6%, cash 6.7% of assets.

Cash / Assets
6.66%
Loans / Deposits
30.61%
Brokered %
0.01%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.94%
No watch items at this period.

Capitalization

StrongQoQ +4
91
Sub-score

Capital position is strong: Tier 1 RBC 18.03%, CET1 18.03%, leverage 8.37%.

Tier 1 RBC
18.03%
CET1
18.03%
Leverage
8.37%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.35%, Texas Ratio 1.1%, NCO YTD -0.03%.

Adjusted NPL
0.35%
Govt-guarantees stripped
Texas Ratio
1.1%
NCO YTD
-0.03%
30-89 PD
0.20%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Risk
16
Sub-score

Reserves are weak: ALLL 0.23% of loans, coverage 64.6%, true coverage 56.9%.

ALLL / Loans
0.23%
Coverage
64.6%
True Loss Coverage
56.9%

Watch Items

  • riskALLL / Loans below 0.75% — ALLL 0.23% 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 11:58:51 UTC