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Smbc Manubank

IDRSSD: 930965
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
94
/ 100
StrongAs of 2024-Q4QoQ +2

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 #930965 2024-Q4 Vital Signs Score: 94/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.06% of loans.

What changed this quarter

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

The five pillars

Liquidity

StrongQoQ +2
93
Sub-score

Liquidity is strong: brokered 4.3%, loans/deposits 77.4%, cash 16.0% of assets.

Cash / Assets
15.96%
Loans / Deposits
77.41%
Brokered %
4.26%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 13.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
13.53%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 22.34%, CET1 22.34%, leverage 17.72%.

Tier 1 RBC
22.34%
CET1
22.34%
Leverage
17.72%
No watch items at this period.

Asset Quality

StableQoQ +6
79
Sub-score

Asset quality is stable: Adjusted NPL 1.74%, Texas Ratio 5.4%, NCO YTD 1.06%.

Adjusted NPL
1.74%
Govt-guarantees stripped
Texas Ratio
5.4%
NCO YTD
1.06%
30-89 PD
0.53%
Band 0.3% / 3.0%
90+ PD
0.13%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.06% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 4.93% of loans, coverage 298.1%, true coverage 267.2%.

ALLL / Loans
4.93%
Coverage
298.1%
True Loss Coverage
267.2%
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: 2026-05-12 21:09:33 UTC