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The Idabel National Bank

IDRSSD: 237954
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2024-Q3QoQ -16

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

Quarterly Headline

2024-Q3

Bank #237954 2024-Q3 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.46% (govt-guarantees stripped).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.05% of assets (threshold 3%).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 43.2% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q2 2024:
↓ -16 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -28
  • Reserves
    ↓ -60

The five pillars

Liquidity

WatchQoQ -1
55
Sub-score

Liquidity is deteriorating: brokered 26.1%, loans/deposits 86.3%, cash 1.1% of assets.

Cash / Assets
1.05%
Loans / Deposits
86.27%
Brokered %
26.14%

Watch Items

  • watchCash / Assets below 3% — Cash 1.05% 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 17.84%, CET1 17.84%, leverage 13.43%.

Tier 1 RBC
17.84%
CET1
17.84%
Leverage
13.43%
No watch items at this period.

Asset Quality

WatchQoQ -28
49
Sub-score

Asset quality is deteriorating: Adjusted NPL 5.46%, Texas Ratio 25.9%, NCO YTD 0.97%.

Adjusted NPL
5.46%
Govt-guarantees stripped
Texas Ratio
25.9%
NCO YTD
0.97%
30-89 PD
1.26%
Band 0.3% / 3.0%
90+ PD
0.21%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.46% (govt-guarantees stripped).

Reserves

RiskQoQ -60
40
Sub-score

Reserves are weak: ALLL 2.30% of loans, coverage 43.2%, true coverage 43.2%.

ALLL / Loans
2.30%
Coverage
43.2%
True Loss Coverage
43.2%

Watch Items

  • infoALLL / NPL below 50% — Coverage 43.2% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 43.2% (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 16:43:30 UTC