Liquidity
StableQoQ +9
64
Sub-score
Liquidity is stable: brokered 29.6%, loans/deposits 93.8%, cash 8.1% of assets.
- Cash / Assets
- 8.06%
- Loans / Deposits
- 93.82%
- Brokered %
- 29.60%
No watch items at this period.
Southpoint Bank
IDRSSD: 3386536
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2024-Q3
Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
67
/ 100
StableAs of 2024-Q3QoQ -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-Q3
Bank #3386536 2024-Q3 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).
Liquidity:Stable
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Watch
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q2 2024:
↓ -2 ptscomposite
- Liquidity↑ +9
- Securities— —
- Capitalization↑ +3
- Asset Quality↓ -10
- Reserves↓ -12
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 0.0% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 0.00%
SVB watch metric
No watch items at this period.
Capitalization
WatchQoQ +3
41
Sub-score
Capital position is deteriorating: Tier 1 RBC 9.21%, CET1 9.21%, leverage 8.06%.
- Tier 1 RBC
- 9.21%
- CET1
- 9.21%
- Leverage
- 8.06%
No watch items at this period.
Asset Quality
StrongQoQ -10
82
Sub-score
Asset quality is strong: Adjusted NPL 1.43%, Texas Ratio 13.5%, NCO YTD 0.79%.
- Adjusted NPL
- 1.43%
- Texas Ratio
- 13.5%
- NCO YTD
- 0.79%
- 30-89 PD
- 0.57%
- 90+ PD
- 0.24%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
WatchQoQ -12
58
Sub-score
Reserves are deteriorating: ALLL 1.22% of loans, coverage 86.6%, true coverage 84.3%.
- ALLL / Loans
- 1.22%
- Coverage
- 86.6%
- True Loss Coverage
- 84.3%
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.tsfor 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: 2026-05-15 10:11:01 UTC