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The Dart Bank

IDRSSD: 47247
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 3 alerts active.

Summary

RSSD 47247 held $1.4B in total assets as of 2026-03-31 (-4.5% quarter-over-quarter). Total loans stood at $1.1B (-3.8% QoQ) and total deposits at $1.1B (-14.0% QoQ).

Overall position is weak — the composite Health Score is 26/100 (Weak). Tier 1 / RWA stands at 11.20%, in the bottom decile of peers. Asset quality (NPL ratio) sits in the bottom quartile of peers.

3 Quarterly Anomaly Alerts fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
26/100
Weak
Active Alerts
3
0 critical, 3 warning
Total Assets
$1.4B
-4.5% QoQ
Total Loans
$1.1B
-3.8% QoQ
Total Deposits
$1.1B
-14.0% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
11.20%
10th pctile · n=346↑ better
+15 bp QoQ
CET1 / RWA
11.20%
38th pctile · n=500↑ better
+15 bp QoQ
Total RBC / RWA
12.45%
13th pctile · n=346↑ better
+30 bp QoQ
Tier 1 Leverage Ratio
11.20%
37th pctile · n=500↑ better
+15 bp QoQ

Liquidity

Cash / Assets
8.12%
63th pctile · n=500↑ better
-112 bp QoQ
Loans / Deposits
106.56%
95th pctile · n=497↓ better
+1131 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
1.56%
84th pctile · n=500↓ better
+50 bp QoQ
NPA / Assets
1.30%
85th pctile · n=500↓ better
+39 bp QoQ
Texas Ratio (regulatory)
14.07%
90th pctile · n=500↓ better
+379 bp QoQ
Net Charge-Offs / Avg Loans
0.18%
86th pctile · n=500↓ better
-45 bp QoQ
ALLL Coverage of NPL
61.85%
17th pctile · n=500↑ better
-2986 bp QoQ

Earnings

Net Interest Margin
4.24%
72th pctile · n=500↑ better
-19 bp QoQ
Return on Assets
1.05%
40th pctile · n=500↑ better
+2 bp QoQ
Return on Equity
12.63%
59th pctile · n=500↑ better
+2 bp QoQ
Efficiency Ratio
82.39%
93th pctile · n=500↓ better
-313 bp QoQ
Pre-tax NOI / Avg Assets
1.30%
39th pctile · n=500↑ better
+27 bp QoQ

Funding

Brokered / Deposits
16.56%
90th pctile · n=497↓ better
-152 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
10.63%
91th pctile · n=500↓ better
+508 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
2.00%
6th pctile · n=500↑ better
+5 bp QoQ
AFS Securities / Assets
1.94%
9th pctile · n=500↑ better
+4 bp QoQ
HTM Securities / Assets
0.06%
61th pctile · n=500↑ better
+0 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-15 03:52:15 UTC