Visbanking Logo
Skip to main content

Todays Bank

IDRSSD: 1879016
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
79
/ 100
StableAs of 2024-Q4QoQ -13

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 #1879016 2024-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 3.12% of loans.

What changed this quarter

Compared to Q3 2024:
↓ -13 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -25
  • Reserves
    ↓ -44

The five pillars

Liquidity

StrongQoQ -2
87
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 82.5%, cash 7.0% of assets.

Cash / Assets
7.01%
Loans / Deposits
82.46%
Brokered %
0.00%
No watch items at this period.

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

StrongQoQ +1
83
Sub-score

Capital position is strong: Tier 1 RBC 12.78%, CET1 12.78%, leverage 8.85%.

Tier 1 RBC
12.78%
CET1
12.78%
Leverage
8.85%
No watch items at this period.

Asset Quality

StableQoQ -25
73
Sub-score

Asset quality is stable: Adjusted NPL 1.68%, Texas Ratio 11.9%, NCO YTD 3.12%.

Adjusted NPL
1.68%
Govt-guarantees stripped
Texas Ratio
11.9%
NCO YTD
3.12%
30-89 PD
0.09%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 3.12% of loans.

Reserves

WatchQoQ -44
50
Sub-score

Reserves are deteriorating: ALLL 1.22% of loans, coverage 73.2%, true coverage 73.2%.

ALLL / Loans
1.22%
Coverage
73.2%
True Loss Coverage
73.2%
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 16:24:19 UTC