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Thread Bank

IDRSSD: 841838
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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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
92
/ 100
StrongAs 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 #841838 2024-Q4 Vital Signs Score: 92/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (strong).

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

Top 3 Watch Items

  1. info
    Uninsured deposits above 50%
    Liquidity — Uninsured 50.9% of deposits (threshold 50%).

What changed this quarter

Compared to Q3 2024:
↓ 0 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ +2

The five pillars

Liquidity

StrongQoQ -2
85
Sub-score

Liquidity is strong: brokered 10.5%, loans/deposits 45.6%, cash 17.2% of assets.

Cash / Assets
17.21%
Loans / Deposits
45.59%
Brokered %
10.50%

Watch Items

  • infoUninsured deposits above 50% — Uninsured 50.9% of deposits (threshold 50%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.88%
No watch items at this period.

Capitalization

StrongQoQ +1
99
Sub-score

Capital position is strong: Tier 1 RBC 21.73%, CET1 21.73%, leverage 9.67%.

Tier 1 RBC
21.73%
CET1
21.73%
Leverage
9.67%
No watch items at this period.

Asset Quality

StrongQoQ -2
93
Sub-score

Asset quality is strong: Adjusted NPL 0.49%, Texas Ratio 2.1%, NCO YTD 0.63%.

Adjusted NPL
0.49%
Govt-guarantees stripped
Texas Ratio
2.1%
NCO YTD
0.63%
30-89 PD
0.56%
Band 0.3% / 3.0%
90+ PD
0.17%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +2
84
Sub-score

Reserves are strong: ALLL 1.01% of loans, coverage 206.6%, true coverage 176.3%.

ALLL / Loans
1.01%
Coverage
206.6%
True Loss Coverage
176.3%
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: 2026-05-14 23:40:42 UTC