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Texasbank

IDRSSD: 232856
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
92
/ 100
StrongAs of 2024-Q2QoQ -4

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 #232856 2024-Q2 Vital Signs Score: 92/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (strong).

Liquidity:Strong
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 Q1 2024:
↓ -4 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -10

The five pillars

Liquidity

StrongQoQ -2
85
Sub-score

Liquidity is strong: brokered 5.3%, loans/deposits 93.1%, cash 20.7% of assets.

Cash / Assets
20.72%
Loans / Deposits
93.08%
Brokered %
5.25%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.32%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.87%, CET1 16.87%, leverage 10.72%.

Tier 1 RBC
16.87%
CET1
16.87%
Leverage
10.72%
No watch items at this period.

Asset Quality

StrongQoQ -8
90
Sub-score

Asset quality is strong: Adjusted NPL 0.77%, Texas Ratio 4.8%, NCO YTD -0.02%.

Adjusted NPL
0.77%
Govt-guarantees stripped
Texas Ratio
4.8%
NCO YTD
-0.02%
30-89 PD
0.93%
Band 0.3% / 3.0%
90+ PD
0.51%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -10
81
Sub-score

Reserves are strong: ALLL 1.21% of loans, coverage 159.8%, true coverage 159.8%.

ALLL / Loans
1.21%
Coverage
159.8%
True Loss Coverage
159.8%
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: 2026-05-12 21:28:14 UTC