Visbanking Logo
Skip to main content

Spiritbank

IDRSSD: 142955
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
77
/ 100
StableAs of 2023-Q4QoQ -13

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 #142955 2023-Q4 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.02% (govt-guarantees stripped).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.01%.

What changed this quarter

Compared to Q3 2023:
↓ -13 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -34
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +9
76
Sub-score

Liquidity is stable: brokered 21.9%, loans/deposits 88.6%, cash 10.2% of assets.

Cash / Assets
10.19%
Loans / Deposits
88.59%
Brokered %
21.87%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.34%
No watch items at this period.

Capitalization

StrongQoQ +3
93
Sub-score

Capital position is strong: Tier 1 RBC 12.81%, CET1 12.81%, leverage 10.92%.

Tier 1 RBC
12.81%
CET1
12.81%
Leverage
10.92%
No watch items at this period.

Asset Quality

StableQoQ -34
66
Sub-score

Asset quality is stable: Adjusted NPL 3.02%, Texas Ratio 20.1%, NCO YTD -0.01%.

Adjusted NPL
3.02%
Govt-guarantees stripped
Texas Ratio
20.1%
NCO YTD
-0.01%
30-89 PD
0.83%
Band 0.3% / 3.0%
90+ PD
1.01%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.02% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.01%.

Reserves

Watch
45
Sub-score

Reserves are deteriorating: ALLL 1.58% of loans, coverage 53.2%, true coverage 53.2%.

ALLL / Loans
1.58%
Coverage
53.2%
True Loss Coverage
53.2%
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: 2026-05-13 16:18:56 UTC