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Terrabank National Association

IDRSSD: 238737
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2024-Q2QoQ -1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q2

Bank #238737 2024-Q2 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.93% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -16

The five pillars

Liquidity

StableQoQ +2
78
Sub-score

Liquidity is stable: brokered 7.7%, loans/deposits 72.8%, cash 2.9% of assets.

Cash / Assets
2.93%
Loans / Deposits
72.79%
Brokered %
7.68%

Watch Items

  • infoCash / Assets below 3% — Cash 2.93% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.55%
No watch items at this period.

Capitalization

StrongQoQ +4
82
Sub-score

Capital position is strong: Tier 1 RBC 14.09%, CET1 10.33%, leverage 8.52%.

Tier 1 RBC
14.09%
CET1
10.33%
Leverage
8.52%
No watch items at this period.

Asset Quality

StrongQoQ 0
94
Sub-score

Asset quality is strong: Adjusted NPL 1.12%, Texas Ratio 7.6%, NCO YTD 0.00%.

Adjusted NPL
1.12%
Govt-guarantees stripped
Texas Ratio
7.6%
NCO YTD
0.00%
30-89 PD
0.12%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -16
78
Sub-score

Reserves are stable: ALLL 1.35% of loans, coverage 122.2%, true coverage 122.2%.

ALLL / Loans
1.35%
Coverage
122.2%
True Loss Coverage
122.2%
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: 2026-05-13 04:01:44 UTC