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The Murray Bank

IDRSSD: 2819242
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
89
/ 100
StrongAs of 2024-Q3QoQ -2

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 #2819242 2024-Q3 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.39% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    — —
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -4
72
Sub-score

Liquidity is stable: brokered 9.1%, loans/deposits 79.2%, cash 2.4% of assets.

Cash / Assets
2.39%
Loans / Deposits
79.16%
Brokered %
9.05%

Watch Items

  • infoCash / Assets below 3% — Cash 2.39% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 13.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
13.70%
No watch items at this period.

Capitalization

StableQoQ -4
80
Sub-score

Capital position is stable: Tier 1 RBC 12.45%, CET1 12.45%, leverage 8.86%.

Tier 1 RBC
12.45%
CET1
12.45%
Leverage
8.86%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.04%, Texas Ratio 0.3%, NCO YTD 0.06%.

Adjusted NPL
0.04%
Govt-guarantees stripped
Texas Ratio
0.3%
NCO YTD
0.06%
30-89 PD
0.13%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 1.53% of loans, coverage 4041.7%, true coverage 4041.7%.

ALLL / Loans
1.53%
Coverage
4041.7%
True Loss Coverage
4041.7%
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 13:43:04 UTC