Liquidity
StrongQoQ -2
91
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 50.0%, cash 6.1% of assets.
- Cash / Assets
- 6.08%
- Loans / Deposits
- 49.95%
- Brokered %
- 0.00%
No watch items at this period.
Produce State Bank
IDRSSD: 24659
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2024-Q1
Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
79
/ 100
StableAs of 2024-Q1QoQ +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-Q1
Bank #24659 2024-Q1 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (risk).
Liquidity:Strong
Securities:Risk
Capitalization:Strong
Asset Quality:Strong
Reserves:Stable
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q4 2023:
↑ +1 ptscomposite
- Liquidity↓ -2
- Securities↓ -3
- Capitalization↑ +1
- Asset Quality↓ 0
- Reserves↑ +8
The five pillars
Securities
RiskQoQ -3
23
Sub-score
Securities profile is weak: securities 43.2% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 43.21%
SVB watch metric
No watch items at this period.
Capitalization
StrongQoQ +1
97
Sub-score
Capital position is strong: Tier 1 RBC 22.66%, CET1 22.66%, leverage 9.45%.
- Tier 1 RBC
- 22.66%
- CET1
- 22.66%
- Leverage
- 9.45%
No watch items at this period.
Asset Quality
StrongQoQ 0
94
Sub-score
Asset quality is strong: Adjusted NPL 1.22%, Texas Ratio 5.3%, NCO YTD -0.26%.
- Adjusted NPL
- 1.22%
- Texas Ratio
- 5.3%
- NCO YTD
- -0.26%
- 30-89 PD
- 0.13%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StableQoQ +8
65
Sub-score
Reserves are stable: ALLL 1.17% of loans, coverage 97.0%, true coverage 97.0%.
- ALLL / Loans
- 1.17%
- Coverage
- 97.0%
- True Loss Coverage
- 97.0%
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.tsfor 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 00:56:33 UTC