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Sonata Bank

IDRSSD: 62044
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
88
/ 100
StrongAs of 2024-Q1QoQ +10

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 #62044 2024-Q1 Vital Signs Score: 88/100 — 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. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.7% (threshold 100%).

What changed this quarter

Compared to Q4 2023:
↑ +10 ptscomposite
  • Liquidity
    ↓ -9
  • Securities
    — —
  • Capitalization
    ↑ +50
  • Asset Quality
    ↑ 0
  • Reserves
    ↓ -2

The five pillars

Liquidity

WatchQoQ -9
60
Sub-score

Liquidity is deteriorating: brokered 21.8%, loans/deposits 101.7%, cash 5.5% of assets.

Cash / Assets
5.47%
Loans / Deposits
101.70%
Brokered %
21.85%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.7% (threshold 100%).

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 +50
100
Sub-score

Capital position is strong: Tier 1 RBC 14.35%, CET1 14.35%, leverage 11.26%.

Tier 1 RBC
14.35%
CET1
14.35%
Leverage
11.26%
No watch items at this period.

Asset Quality

StrongQoQ 0
97
Sub-score

Asset quality is strong: Adjusted NPL 0.43%, Texas Ratio 3.5%, NCO YTD 0.00%.

Adjusted NPL
0.43%
Govt-guarantees stripped
Texas Ratio
3.5%
NCO YTD
0.00%
30-89 PD
0.68%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -2
75
Sub-score

Reserves are stable: ALLL 0.81% of loans, coverage 190.7%, true coverage 101.2%.

ALLL / Loans
0.81%
Coverage
190.7%
True Loss Coverage
101.2%
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 21:53:46 UTC