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Spiritbank

IDRSSD: 142955
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
80
/ 100
StrongAs of 2024-Q1QoQ +3

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 #142955 2024-Q1 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.94% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2023:
↑ +3 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +4
  • Reserves
    ↑ +10

The five pillars

Liquidity

StableQoQ +2
78
Sub-score

Liquidity is stable: brokered 20.0%, loans/deposits 86.4%, cash 10.7% of assets.

Cash / Assets
10.71%
Loans / Deposits
86.36%
Brokered %
20.05%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.43%
No watch items at this period.

Capitalization

StrongQoQ +2
96
Sub-score

Capital position is strong: Tier 1 RBC 13.10%, CET1 13.10%, leverage 10.46%.

Tier 1 RBC
13.10%
CET1
13.10%
Leverage
10.46%
No watch items at this period.

Asset Quality

StableQoQ +4
69
Sub-score

Asset quality is stable: Adjusted NPL 2.94%, Texas Ratio 18.8%, NCO YTD -0.04%.

Adjusted NPL
2.94%
Govt-guarantees stripped
Texas Ratio
18.8%
NCO YTD
-0.04%
30-89 PD
1.48%
Band 0.3% / 3.0%
90+ PD
0.22%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.94% (govt-guarantees stripped).

Reserves

WatchQoQ +10
55
Sub-score

Reserves are deteriorating: ALLL 1.93% of loans, coverage 66.9%, true coverage 66.9%.

ALLL / Loans
1.93%
Coverage
66.9%
True Loss Coverage
66.9%
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 16:18:56 UTC