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Spiritbank

IDRSSD: 142955
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2024-Q4QoQ -9

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q4

Bank #142955 2024-Q4 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 4.25% of loans.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.40% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↓ -9 ptscomposite
  • Liquidity
    ↓ -11
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -18
  • Reserves
    ↓ -15

The five pillars

Liquidity

StableQoQ -11
64
Sub-score

Liquidity is stable: brokered 21.3%, loans/deposits 89.9%, cash 4.6% of assets.

Cash / Assets
4.61%
Loans / Deposits
89.87%
Brokered %
21.34%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.16%
No watch items at this period.

Capitalization

StrongQoQ -2
91
Sub-score

Capital position is strong: Tier 1 RBC 13.06%, CET1 13.06%, leverage 10.78%.

Tier 1 RBC
13.06%
CET1
13.06%
Leverage
10.78%
No watch items at this period.

Asset Quality

WatchQoQ -18
55
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.40%, Texas Ratio 16.1%, NCO YTD 4.25%.

Adjusted NPL
2.40%
Govt-guarantees stripped
Texas Ratio
16.1%
NCO YTD
4.25%
30-89 PD
1.42%
Band 0.3% / 3.0%
90+ PD
0.60%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.40% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 4.25% of loans.

Reserves

RiskQoQ -15
40
Sub-score

Reserves are weak: ALLL 1.30% of loans, coverage 54.9%, true coverage 54.9%.

ALLL / Loans
1.30%
Coverage
54.9%
True Loss Coverage
54.9%
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