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Progrowth Bank

IDRSSD: 751254
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
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
86
/ 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 #751254 2024-Q4 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.55% of assets (threshold 3%).
  2. info
    Brokered deposits above 30%
    Liquidity — Brokered 31.4% of deposits (threshold 30%).

What changed this quarter

Compared to Q3 2024:
↓ 0 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ 0

The five pillars

Liquidity

WatchQoQ 0
60
Sub-score

Liquidity is deteriorating: brokered 31.4%, loans/deposits 24.3%, cash 1.5% of assets.

Cash / Assets
1.55%
Loans / Deposits
24.33%
Brokered %
31.40%

Watch Items

  • infoBrokered deposits above 30% — Brokered 31.4% of deposits (threshold 30%).
  • watchCash / Assets below 3% — Cash 1.55% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.65%
No watch items at this period.

Capitalization

StrongQoQ 0
89
Sub-score

Capital position is strong: Tier 1 RBC 20.02%, CET1 20.02%, leverage 7.27%.

Tier 1 RBC
20.02%
CET1
20.02%
Leverage
7.27%
No watch items at this period.

Asset Quality

StrongQoQ 0
100
Sub-score

Asset quality is strong: Adjusted NPL 0.01%, Texas Ratio 0.0%, NCO YTD -0.04%.

Adjusted NPL
0.01%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
-0.04%
30-89 PD
0.34%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ 0
77
Sub-score

Reserves are stable: ALLL 0.80% of loans, coverage 12840.0%, true coverage 360.7%.

ALLL / Loans
0.80%
Coverage
12840.0%
True Loss Coverage
360.7%
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.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 16:43:35 UTC