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The Savings Bank

IDRSSD: 711801
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2024-Q2QoQ -3

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

Quarterly Headline

2024-Q2

Bank #711801 2024-Q2 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.94% of assets (threshold 3%).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 49.5% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q1 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -11
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ -11
76
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 82.4%, cash 1.9% of assets.

Cash / Assets
1.94%
Loans / Deposits
82.40%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.94% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.22%
No watch items at this period.

Capitalization

WatchQoQ -2
47
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.64%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.64%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ -1
85
Sub-score

Asset quality is strong: Adjusted NPL 1.96%, Texas Ratio 13.5%, NCO YTD 0.01%.

Adjusted NPL
1.96%
Govt-guarantees stripped
Texas Ratio
13.5%
NCO YTD
0.01%
30-89 PD
0.57%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +2
25
Sub-score

Reserves are weak: ALLL 0.96% of loans, coverage 49.5%, true coverage 49.5%.

ALLL / Loans
0.96%
Coverage
49.5%
True Loss Coverage
49.5%

Watch Items

  • infoALLL / NPL below 50% — Coverage 49.5% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.5% (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: 2026-05-14 19:43:21 UTC