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Stellar Bank

IDRSSD: 3579589
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
89
/ 100
StrongAs of 2023-Q4QoQ +6

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 #3579589 2023-Q4 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
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:
↑ +6 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +7
  • Asset Quality
    ↑ +15
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -2
72
Sub-score

Liquidity is stable: brokered 6.9%, loans/deposits 88.0%, cash 3.7% of assets.

Cash / Assets
3.75%
Loans / Deposits
88.03%
Brokered %
6.95%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.43%
No watch items at this period.

Capitalization

StrongQoQ +7
87
Sub-score

Capital position is strong: Tier 1 RBC 12.20%, CET1 12.20%, leverage 9.84%.

Tier 1 RBC
12.20%
CET1
12.20%
Leverage
9.84%
No watch items at this period.

Asset Quality

StrongQoQ +15
99
Sub-score

Asset quality is strong: Adjusted NPL 0.50%, Texas Ratio 3.4%, NCO YTD 0.13%.

Adjusted NPL
0.50%
Govt-guarantees stripped
Texas Ratio
3.4%
NCO YTD
0.13%
30-89 PD
0.35%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
89
Sub-score

Reserves are strong: ALLL 1.16% of loans, coverage 233.9%, true coverage 174.7%.

ALLL / Loans
1.16%
Coverage
233.9%
True Loss Coverage
174.7%
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: 2026-05-14 09:18:18 UTC