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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2024-Q4QoQ 0

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

Quarterly Headline

2024-Q4

Bank #237954 2024-Q4 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.68% (govt-guarantees stripped).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.96% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↓ 0 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -9
  • Reserves
    ↑ +6

The five pillars

Liquidity

StableQoQ +5
60
Sub-score

Liquidity is stable: brokered 23.2%, loans/deposits 87.7%, cash 3.0% of assets.

Cash / Assets
2.96%
Loans / Deposits
87.71%
Brokered %
23.25%

Watch Items

  • infoCash / Assets below 3% — Cash 2.96% 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 18.80%, CET1 18.80%, leverage 13.88%.

Tier 1 RBC
18.80%
CET1
18.80%
Leverage
13.88%
No watch items at this period.

Asset Quality

WatchQoQ -9
41
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.68%, Texas Ratio 20.9%, NCO YTD 0.97%.

Adjusted NPL
4.68%
Govt-guarantees stripped
Texas Ratio
20.9%
NCO YTD
0.97%
30-89 PD
3.08%
Band 0.3% / 3.0%
90+ PD
0.26%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.68% (govt-guarantees stripped).

Reserves

WatchQoQ +6
46
Sub-score

Reserves are deteriorating: ALLL 2.46% of loans, coverage 53.8%, true coverage 53.8%.

ALLL / Loans
2.46%
Coverage
53.8%
True Loss Coverage
53.8%
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