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Studio Bank

IDRSSD: 5205819
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
78
/ 100
StableAs of 2024-Q1QoQ -5

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 #5205819 2024-Q1 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2023:
↓ -5 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -24

The five pillars

Liquidity

StableQoQ 0
62
Sub-score

Liquidity is stable: brokered 16.5%, loans/deposits 97.7%, cash 3.9% of assets.

Cash / Assets
3.89%
Loans / Deposits
97.68%
Brokered %
16.47%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.58%
No watch items at this period.

Capitalization

StableQoQ -3
78
Sub-score

Capital position is stable: Tier 1 RBC 11.41%, CET1 11.41%, leverage 9.62%.

Tier 1 RBC
11.41%
CET1
11.41%
Leverage
9.62%
No watch items at this period.

Asset Quality

StrongQoQ -4
92
Sub-score

Asset quality is strong: Adjusted NPL 1.45%, Texas Ratio 10.4%, NCO YTD 0.00%.

Adjusted NPL
1.45%
Govt-guarantees stripped
Texas Ratio
10.4%
NCO YTD
0.00%
30-89 PD
0.01%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -24
54
Sub-score

Reserves are deteriorating: ALLL 1.17% of loans, coverage 81.4%, true coverage 81.4%.

ALLL / Loans
1.17%
Coverage
81.4%
True Loss Coverage
81.4%
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 11:07:39 UTC