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IDRSSD: 672573
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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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
89
/ 100
StrongAs of 2024-Q1QoQ +10

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 #672573 2024-Q1 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Asset Quality (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.47% of loans.

What changed this quarter

Compared to Q4 2023:
↑ +10 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    ↓ -1
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +67

The five pillars

Liquidity

StrongQoQ -2
94
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 66.6%, cash 7.2% of assets.

Cash / Assets
7.15%
Loans / Deposits
66.63%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ -1
72
Sub-score

Securities profile is stable: securities 28.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
28.39%
No watch items at this period.

Capitalization

StrongQoQ 0
97
Sub-score

Capital position is strong: Tier 1 RBC 17.24%, CET1 17.24%, leverage 9.48%.

Tier 1 RBC
17.24%
CET1
17.24%
Leverage
9.48%
No watch items at this period.

Asset Quality

StrongQoQ +2
100
Sub-score

Asset quality is strong: Adjusted NPL 0.08%, Texas Ratio 0.5%, NCO YTD 0.00%.

Adjusted NPL
0.08%
Govt-guarantees stripped
Texas Ratio
0.5%
NCO YTD
0.00%
30-89 PD
0.27%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +67
67
Sub-score

Reserves are stable: ALLL 0.47% of loans, coverage 606.2%, true coverage 606.2%.

ALLL / Loans
0.47%
Coverage
606.2%
True Loss Coverage
606.2%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.47% 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: 2026-05-14 02:39:07 UTC