Visbanking Logo
Skip to main content

Studio Bank

IDRSSD: 5205819
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
85
/ 100
StrongAs of 2024-Q4QoQ +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-Q4

Bank #5205819 2024-Q4 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
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 2024:
↑ +5 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↑ +4
  • Reserves
    ↑ +20

The five pillars

Liquidity

StableQoQ +3
66
Sub-score

Liquidity is stable: brokered 17.3%, loans/deposits 88.7%, cash 4.0% of assets.

Cash / Assets
3.98%
Loans / Deposits
88.75%
Brokered %
17.34%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.11%
No watch items at this period.

Capitalization

StableQoQ 0
77
Sub-score

Capital position is stable: Tier 1 RBC 11.89%, CET1 11.89%, leverage 9.65%.

Tier 1 RBC
11.89%
CET1
11.89%
Leverage
9.65%
No watch items at this period.

Asset Quality

StrongQoQ +4
99
Sub-score

Asset quality is strong: Adjusted NPL 0.60%, Texas Ratio 4.1%, NCO YTD 0.09%.

Adjusted NPL
0.60%
Govt-guarantees stripped
Texas Ratio
4.1%
NCO YTD
0.09%
30-89 PD
0.22%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +20
90
Sub-score

Reserves are strong: ALLL 1.19% of loans, coverage 201.2%, true coverage 201.2%.

ALLL / Loans
1.19%
Coverage
201.2%
True Loss Coverage
201.2%
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: 2026-05-14 11:07:39 UTC