Visbanking Logo
Skip to main content

Smartbiz Bank National Association

IDRSSD: 3377235
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 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-Q1

Bank #3377235 2024-Q1 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.90% of assets (threshold 3%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.03% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2023:
↓ 0 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ -3
71
Sub-score

Liquidity is stable: brokered 5.1%, loans/deposits 81.8%, cash 0.9% of assets.

Cash / Assets
0.90%
Loans / Deposits
81.84%
Brokered %
5.06%

Watch Items

  • riskCash / Assets below 3% — Cash 0.90% of assets (threshold 3%).

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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.26%, CET1 16.26%, leverage 12.01%.

Tier 1 RBC
16.26%
CET1
16.26%
Leverage
12.01%
No watch items at this period.

Asset Quality

StableQoQ +1
68
Sub-score

Asset quality is stable: Adjusted NPL 2.03%, Texas Ratio 10.3%, NCO YTD 0.10%.

Adjusted NPL
2.03%
Govt-guarantees stripped
Texas Ratio
10.3%
NCO YTD
0.10%
30-89 PD
5.29%
Band 0.3% / 3.0%
90+ PD
0.32%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.03% (govt-guarantees stripped).

Reserves

WatchQoQ -1
53
Sub-score

Reserves are deteriorating: ALLL 1.55% of loans, coverage 77.7%, true coverage 58.6%.

ALLL / Loans
1.55%
Coverage
77.7%
True Loss Coverage
58.6%
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 07:33:11 UTC