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The Middlefield Banking Company

IDRSSD: 177920
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
77
/ 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 #177920 2024-Q4 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 103.3% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.44% of assets (threshold 3%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.00% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↑ 0 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ -2
65
Sub-score

Liquidity is stable: brokered 2.4%, loans/deposits 103.3%, cash 2.4% of assets.

Cash / Assets
2.44%
Loans / Deposits
103.27%
Brokered %
2.42%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.3% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.44% 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

StableQoQ +2
79
Sub-score

Capital position is stable: Tier 1 RBC 11.99%, CET1 11.99%, leverage 10.43%.

Tier 1 RBC
11.99%
CET1
11.99%
Leverage
10.43%
No watch items at this period.

Asset Quality

StrongQoQ +2
85
Sub-score

Asset quality is strong: Adjusted NPL 2.00%, Texas Ratio 14.0%, NCO YTD 0.04%.

Adjusted NPL
2.00%
Govt-guarantees stripped
Texas Ratio
14.0%
NCO YTD
0.04%
30-89 PD
0.48%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.00% (govt-guarantees stripped).

Reserves

WatchQoQ -2
54
Sub-score

Reserves are deteriorating: ALLL 1.48% of loans, coverage 74.9%, true coverage 63.4%.

ALLL / Loans
1.48%
Coverage
74.9%
True Loss Coverage
63.4%
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: 2026-05-15 05:15:33 UTC