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Seattle Bank

IDRSSD: 2838207
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
82
/ 100
StrongAs of 2024-Q4QoQ +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-Q4

Bank #2838207 2024-Q4 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.20% (govt-guarantees stripped).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.40% of loans.

What changed this quarter

Compared to Q3 2024:
↑ +1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +5
  • Reserves
    ↑ +6

The five pillars

Liquidity

StrongQoQ -2
88
Sub-score

Liquidity is strong: brokered 2.9%, loans/deposits 89.6%, cash 11.3% of assets.

Cash / Assets
11.29%
Loans / Deposits
89.56%
Brokered %
2.92%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ -1
99
Sub-score

Capital position is strong: Tier 1 RBC 14.43%, CET1 14.43%, leverage 10.59%.

Tier 1 RBC
14.43%
CET1
14.43%
Leverage
10.59%
No watch items at this period.

Asset Quality

WatchQoQ +5
56
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.20%, Texas Ratio 24.9%, NCO YTD 1.40%.

Adjusted NPL
4.20%
Govt-guarantees stripped
Texas Ratio
24.9%
NCO YTD
1.40%
30-89 PD
0.20%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.20% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.40% of loans.

Reserves

StableQoQ +6
68
Sub-score

Reserves are stable: ALLL 3.46% of loans, coverage 85.3%, true coverage 85.3%.

ALLL / Loans
3.46%
Coverage
85.3%
True Loss Coverage
85.3%
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: 2026-05-13 13:40:58 UTC