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Tower Community Bank

IDRSSD: 989730
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2023-Q4QoQ +7

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

Quarterly Headline

2023-Q4

Bank #989730 2023-Q4 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2023:
↑ +7 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↑ +33
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -4
79
Sub-score

Liquidity is stable: brokered 4.6%, loans/deposits 92.8%, cash 6.9% of assets.

Cash / Assets
6.86%
Loans / Deposits
92.81%
Brokered %
4.63%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.76%
No watch items at this period.

Capitalization

StableQoQ -3
71
Sub-score

Capital position is stable: Tier 1 RBC 11.22%, CET1 11.22%, leverage 8.72%.

Tier 1 RBC
11.22%
CET1
11.22%
Leverage
8.72%
No watch items at this period.

Asset Quality

StrongQoQ +33
98
Sub-score

Asset quality is strong: Adjusted NPL 0.11%, Texas Ratio 0.9%, NCO YTD 0.00%.

Adjusted NPL
0.11%
Govt-guarantees stripped
Texas Ratio
0.9%
NCO YTD
0.00%
30-89 PD
0.70%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
78
Sub-score

Reserves are stable: ALLL 0.83% of loans, coverage 771.1%, true coverage 771.1%.

ALLL / Loans
0.83%
Coverage
771.1%
True Loss Coverage
771.1%
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: 2026-05-12 21:40:24 UTC