Visbanking Logo
Skip to main content

The Idabel National Bank

IDRSSD: 237954
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
87
/ 100
StrongAs of 2023-Q4QoQ +19

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 #237954 2023-Q4 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.47% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↑ +19 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +59
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -2
55
Sub-score

Liquidity is deteriorating: brokered 26.4%, loans/deposits 86.7%, cash 1.5% of assets.

Cash / Assets
1.47%
Loans / Deposits
86.65%
Brokered %
26.40%

Watch Items

  • watchCash / Assets below 3% — Cash 1.47% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.32%, CET1 16.32%, leverage 12.47%.

Tier 1 RBC
16.32%
CET1
16.32%
Leverage
12.47%
No watch items at this period.

Asset Quality

StrongQoQ +59
84
Sub-score

Asset quality is strong: Adjusted NPL 0.34%, Texas Ratio 1.8%, NCO YTD 0.03%.

Adjusted NPL
0.34%
Govt-guarantees stripped
Texas Ratio
1.8%
NCO YTD
0.03%
30-89 PD
2.77%
Band 0.3% / 3.0%
90+ PD
0.20%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.12% of loans, coverage 641.7%, true coverage 641.7%.

ALLL / Loans
2.12%
Coverage
641.7%
True Loss Coverage
641.7%
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 16:43:30 UTC