Liquidity
Strong
100
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 62.7%, cash 19.2% of assets.
- Cash / Assets
- 19.18%
- Loans / Deposits
- 62.68%
- Brokered %
- 0.00%
No watch items at this period.
Spectra Bank
IDRSSD: 426057
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2023-Q4
Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
78
/ 100
StableAs of 2023-Q4QoQ 0
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2023-Q4
Bank #426057 2023-Q4 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Capitalization (risk).
Liquidity:Strong
Securities:Strong
Capitalization:Risk
Asset Quality:Strong
Reserves:Strong
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q3 2023:
↓ 0 ptscomposite
- Liquidity— —
- Securities— —
- Capitalization↑ +1
- Asset Quality↓ -6
- Reserves— —
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 17.4% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 17.38%
SVB watch metric
No watch items at this period.
Capitalization
RiskQoQ +1
27
Sub-score
Capital position is weak: Tier 1 RBC 8.42%, CET1 8.42%, leverage 5.63%.
- Tier 1 RBC
- 8.42%
- CET1
- 8.42%
- Leverage
- 5.63%
No watch items at this period.
Asset Quality
StrongQoQ -6
94
Sub-score
Asset quality is strong: Adjusted NPL 1.20%, Texas Ratio 11.0%, NCO YTD 0.00%.
- Adjusted NPL
- 1.20%
- Texas Ratio
- 11.0%
- NCO YTD
- 0.00%
- 30-89 PD
- 0.00%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
Strong
84
Sub-score
Reserves are strong: ALLL 1.53% of loans, coverage 129.9%, true coverage 129.9%.
- ALLL / Loans
- 1.53%
- Coverage
- 129.9%
- True Loss Coverage
- 129.9%
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: 2026-05-13 04:10:36 UTC