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The Commercial National Bank Of Brady

IDRSSD: 42354
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2023-Q4QoQ -18

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

Quarterly Headline

2023-Q4

Bank #42354 2023-Q4 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 2.20%.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.20% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↓ -18 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -36
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -1
87
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 83.0%, cash 6.9% of assets.

Cash / Assets
6.93%
Loans / Deposits
82.97%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.05%
No watch items at this period.

Capitalization

StableQoQ -4
72
Sub-score

Capital position is stable: Tier 1 RBC 11.24%, CET1 11.24%, leverage 8.81%.

Tier 1 RBC
11.24%
CET1
11.24%
Leverage
8.81%
No watch items at this period.

Asset Quality

StableQoQ -36
64
Sub-score

Asset quality is stable: Adjusted NPL 2.20%, Texas Ratio 16.9%, NCO YTD 0.02%.

Adjusted NPL
2.20%
Govt-guarantees stripped
Texas Ratio
16.9%
NCO YTD
0.02%
30-89 PD
0.90%
Band 0.3% / 3.0%
90+ PD
2.20%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.20% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.20%.

Reserves

Risk
37
Sub-score

Reserves are weak: ALLL 1.21% of loans, coverage 55.3%, true coverage 55.3%.

ALLL / Loans
1.21%
Coverage
55.3%
True Loss Coverage
55.3%
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 09:46:59 UTC