Visbanking Logo
Skip to main content

Spectra Bank

IDRSSD: 426057
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
77
/ 100
StableAs of 2024-Q3QoQ -4

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 #426057 2024-Q3 Vital Signs Score: 77/100 — 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 Q2 2024:
↓ -4 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -16
  • Reserves
    ↑ +1

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 51.9%, cash 32.2% of assets.

Cash / Assets
32.21%
Loans / Deposits
51.88%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 15.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
15.02%
No watch items at this period.

Capitalization

RiskQoQ 0
23
Sub-score

Capital position is weak: Tier 1 RBC 8.46%, CET1 8.46%, leverage 5.53%.

Tier 1 RBC
8.46%
CET1
8.46%
Leverage
5.53%
No watch items at this period.

Asset Quality

StrongQoQ -16
84
Sub-score

Asset quality is strong: Adjusted NPL 0.38%, Texas Ratio 3.3%, NCO YTD 0.22%.

Adjusted NPL
0.38%
Govt-guarantees stripped
Texas Ratio
3.3%
NCO YTD
0.22%
30-89 PD
2.79%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +1
100
Sub-score

Reserves are strong: ALLL 1.50% of loans, coverage 398.9%, true coverage 398.9%.

ALLL / Loans
1.50%
Coverage
398.9%
True Loss Coverage
398.9%
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.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: 2026-05-13 04:10:36 UTC