Liquidity
StableQoQ +2
75
Sub-score
Liquidity is stable: brokered 0.4%, loans/deposits 97.0%, cash 5.0% of assets.
- Cash / Assets
- 5.02%
- Loans / Deposits
- 96.99%
- Brokered %
- 0.37%
No watch items at this period.
Tc Federal Bank
IDRSSD: 67870
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
93
/ 100
StrongAs of 2024-Q1QoQ 0
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 #67870 2024-Q1 Vital Signs Score: 93/100 — 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 Q4 2023:
↓ 0 ptscomposite
- Liquidity↑ +2
- Securities— —
- Capitalization— —
- Asset Quality↓ -3
- Reserves↓ 0
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 1.0% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 0.95%
SVB watch metric
No watch items at this period.
Capitalization
Strong
100
Sub-score
Capital position is strong: Tier 1 RBC 19.31%, CET1 19.31%, leverage 14.54%.
- Tier 1 RBC
- 19.31%
- CET1
- 19.31%
- Leverage
- 14.54%
No watch items at this period.
Asset Quality
StrongQoQ -3
97
Sub-score
Asset quality is strong: Adjusted NPL 0.32%, Texas Ratio 1.7%, NCO YTD -0.02%.
- Adjusted NPL
- 0.32%
- Texas Ratio
- 1.7%
- NCO YTD
- -0.02%
- 30-89 PD
- 0.74%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ 0
93
Sub-score
Reserves are strong: ALLL 1.28% of loans, coverage 399.8%, true coverage 324.0%.
- ALLL / Loans
- 1.28%
- Coverage
- 399.8%
- True Loss Coverage
- 324.0%
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.tsfor 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: 2026-05-15 05:02:50 UTC