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The Cooperative Bank

IDRSSD: 714978
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
74
/ 100
StableAs of 2023-Q4QoQ -10

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 #714978 2023-Q4 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 106.8% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.65% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↓ -10 ptscomposite
  • Liquidity
    ↓ -9
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↓ -7
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -9
62
Sub-score

Liquidity is stable: brokered 4.6%, loans/deposits 106.8%, cash 2.7% of assets.

Cash / Assets
2.65%
Loans / Deposits
106.81%
Brokered %
4.60%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 106.8% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.65% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.75%
No watch items at this period.

Capitalization

StableQoQ +5
74
Sub-score

Capital position is stable: Tier 1 RBC 11.76%, CET1 11.76%, leverage 8.36%.

Tier 1 RBC
11.76%
CET1
11.76%
Leverage
8.36%
No watch items at this period.

Asset Quality

StrongQoQ -7
93
Sub-score

Asset quality is strong: Adjusted NPL 1.25%, Texas Ratio 11.7%, NCO YTD 0.00%.

Adjusted NPL
1.25%
Govt-guarantees stripped
Texas Ratio
11.7%
NCO YTD
0.00%
30-89 PD
0.28%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Risk
31
Sub-score

Reserves are weak: ALLL 0.86% of loans, coverage 69.7%, true coverage 59.6%.

ALLL / Loans
0.86%
Coverage
69.7%
True Loss Coverage
59.6%
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 04:15:10 UTC