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Town Bank National Association

IDRSSD: 2693264
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
79
/ 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 #2693264 2024-Q2 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.50% of loans.

What changed this quarter

Compared to Q1 2024:
↑ +3 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↑ +5
  • Reserves
    ↑ +24

The five pillars

Liquidity

StableQoQ 0
76
Sub-score

Liquidity is stable: brokered 13.1%, loans/deposits 83.0%, cash 5.9% of assets.

Cash / Assets
5.88%
Loans / Deposits
83.04%
Brokered %
13.11%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.81%
No watch items at this period.

Capitalization

WatchQoQ -6
58
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.83%, CET1 10.83%, leverage 8.40%.

Tier 1 RBC
10.83%
CET1
10.83%
Leverage
8.40%
No watch items at this period.

Asset Quality

StrongQoQ +5
99
Sub-score

Asset quality is strong: Adjusted NPL 0.27%, Texas Ratio 2.1%, NCO YTD 0.21%.

Adjusted NPL
0.27%
Govt-guarantees stripped
Texas Ratio
2.1%
NCO YTD
0.21%
30-89 PD
0.29%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +24
64
Sub-score

Reserves are stable: ALLL 0.50% of loans, coverage 189.9%, true coverage 188.9%.

ALLL / Loans
0.50%
Coverage
189.9%
True Loss Coverage
188.9%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.50% of loans.

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 12:06:42 UTC