Visbanking Logo
Skip to main content

The Bank

IDRSSD: 333650
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2024-Q3QoQ +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-Q3

Bank #333650 2024-Q3 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.27% (govt-guarantees stripped).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 42.7% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2024:
↑ +1 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +1

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 65.0%, cash 12.9% of assets.

Cash / Assets
12.92%
Loans / Deposits
64.98%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.24%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.13%, CET1 21.13%, leverage 12.58%.

Tier 1 RBC
21.13%
CET1
21.13%
Leverage
12.58%
No watch items at this period.

Asset Quality

StableQoQ +3
76
Sub-score

Asset quality is stable: Adjusted NPL 3.27%, Texas Ratio 13.2%, NCO YTD 0.02%.

Adjusted NPL
3.27%
Govt-guarantees stripped
Texas Ratio
13.2%
NCO YTD
0.02%
30-89 PD
0.19%
Band 0.3% / 3.0%
90+ PD
0.11%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.27% (govt-guarantees stripped).

Reserves

WatchQoQ +1
43
Sub-score

Reserves are deteriorating: ALLL 2.07% of loans, coverage 64.6%, true coverage 42.7%.

ALLL / Loans
2.07%
Coverage
64.6%
True Loss Coverage
42.7%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 42.7% (Adjusted NPL + Performing Mods denominator).

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 04:03:53 UTC