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Traditions Bank

IDRSSD: 3145797
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
73
/ 100
StableAs of 2024-Q2QoQ -5

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 #3145797 2024-Q2 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.54% of loans.
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.05% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↓ -5 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -7
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -21

The five pillars

Liquidity

StableQoQ +1
65
Sub-score

Liquidity is stable: brokered 8.8%, loans/deposits 93.6%, cash 2.0% of assets.

Cash / Assets
2.05%
Loans / Deposits
93.61%
Brokered %
8.77%

Watch Items

  • infoCash / Assets below 3% — Cash 2.05% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.21%
No watch items at this period.

Capitalization

StableQoQ -7
69
Sub-score

Capital position is stable: Tier 1 RBC 11.65%, CET1 11.65%, leverage 8.97%.

Tier 1 RBC
11.65%
CET1
11.65%
Leverage
8.97%
No watch items at this period.

Asset Quality

StrongQoQ -2
97
Sub-score

Asset quality is strong: Adjusted NPL 0.63%, Texas Ratio 5.4%, NCO YTD 0.01%.

Adjusted NPL
0.63%
Govt-guarantees stripped
Texas Ratio
5.4%
NCO YTD
0.01%
30-89 PD
0.45%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -21
22
Sub-score

Reserves are weak: ALLL 0.54% of loans, coverage 85.6%, true coverage 57.8%.

ALLL / Loans
0.54%
Coverage
85.6%
True Loss Coverage
57.8%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.54% 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: 2026-05-15 10:03:19 UTC