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Solera National Bank

IDRSSD: 3397233
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
78
/ 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 #3397233 2024-Q1 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.20% of assets (threshold 3%).
  2. watch
    Brokered deposits above 30%
    Liquidity — Brokered 35.9% of deposits (threshold 30%).

What changed this quarter

Compared to Q4 2023:
↑ 0 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ +6

The five pillars

Liquidity

WatchQoQ -3
57
Sub-score

Liquidity is deteriorating: brokered 35.9%, loans/deposits 76.6%, cash 0.2% of assets.

Cash / Assets
0.20%
Loans / Deposits
76.64%
Brokered %
35.95%

Watch Items

  • watchBrokered deposits above 30% — Brokered 35.9% of deposits (threshold 30%).
  • riskCash / Assets below 3% — Cash 0.20% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 17.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
17.50%
No watch items at this period.

Capitalization

WatchQoQ -1
54
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.08%, CET1 10.08%, leverage 7.60%.

Tier 1 RBC
10.08%
CET1
10.08%
Leverage
7.60%
No watch items at this period.

Asset Quality

StrongQoQ 0
96
Sub-score

Asset quality is strong: Adjusted NPL 0.66%, Texas Ratio 5.0%, NCO YTD 0.00%.

Adjusted NPL
0.66%
Govt-guarantees stripped
Texas Ratio
5.0%
NCO YTD
0.00%
30-89 PD
0.63%
Band 0.3% / 3.0%
90+ PD
0.13%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +6
94
Sub-score

Reserves are strong: ALLL 1.32% of loans, coverage 201.2%, true coverage 201.2%.

ALLL / Loans
1.32%
Coverage
201.2%
True Loss Coverage
201.2%
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: 2026-05-14 09:07:16 UTC