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

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2024-Q4QoQ +2

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

Quarterly Headline

2024-Q4

Bank #333650 2024-Q4 Vital Signs Score: 87/100 — 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. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 49.0% (Adjusted NPL + Performing Mods denominator).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.54% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↑ +2 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +6

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 63.8%, cash 18.8% of assets.

Cash / Assets
18.80%
Loans / Deposits
63.76%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.14%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 23.86%, CET1 23.86%, leverage 14.25%.

Tier 1 RBC
23.86%
CET1
23.86%
Leverage
14.25%
No watch items at this period.

Asset Quality

StableQoQ +3
79
Sub-score

Asset quality is stable: Adjusted NPL 2.54%, Texas Ratio 9.4%, NCO YTD 0.00%.

Adjusted NPL
2.54%
Govt-guarantees stripped
Texas Ratio
9.4%
NCO YTD
0.00%
30-89 PD
0.85%
Band 0.3% / 3.0%
90+ PD
0.17%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.54% (govt-guarantees stripped).

Reserves

WatchQoQ +6
49
Sub-score

Reserves are deteriorating: ALLL 1.99% of loans, coverage 80.1%, true coverage 49.0%.

ALLL / Loans
1.99%
Coverage
80.1%
True Loss Coverage
49.0%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.0% (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