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Tbo Bank

IDRSSD: 1003950
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
83
/ 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 #1003950 2024-Q1 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.39% of loans.

What changed this quarter

Compared to Q4 2023:
↑ +3 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +14
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -5

The five pillars

Liquidity

StrongQoQ -2
84
Sub-score

Liquidity is strong: brokered 6.1%, loans/deposits 75.6%, cash 5.9% of assets.

Cash / Assets
5.93%
Loans / Deposits
75.63%
Brokered %
6.08%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ +14
90
Sub-score

Capital position is strong: Tier 1 RBC 12.45%, CET1 12.45%, leverage 10.35%.

Tier 1 RBC
12.45%
CET1
12.45%
Leverage
10.35%
No watch items at this period.

Asset Quality

StrongQoQ +1
83
Sub-score

Asset quality is strong: Adjusted NPL 0.28%, Texas Ratio 1.9%, NCO YTD 0.06%.

Adjusted NPL
0.28%
Govt-guarantees stripped
Texas Ratio
1.9%
NCO YTD
0.06%
30-89 PD
12.33%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -5
53
Sub-score

Reserves are deteriorating: ALLL 0.39% of loans, coverage 139.3%, true coverage 139.3%.

ALLL / Loans
0.39%
Coverage
139.3%
True Loss Coverage
139.3%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.39% of loans.

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 06:22:41 UTC