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Traditions Bank

IDRSSD: 3145797
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
74
/ 100
StableAs of 2024-Q4QoQ -1

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 #3145797 2024-Q4 Vital Signs Score: 74/100 — 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. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 48.8% (Adjusted NPL + Performing Mods denominator).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.59% of loans.

What changed this quarter

Compared to Q3 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +12
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -18

The five pillars

Liquidity

StableQoQ +12
76
Sub-score

Liquidity is stable: brokered 2.5%, loans/deposits 91.4%, cash 4.8% of assets.

Cash / Assets
4.81%
Loans / Deposits
91.35%
Brokered %
2.53%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.10%
No watch items at this period.

Capitalization

StableQoQ +4
70
Sub-score

Capital position is stable: Tier 1 RBC 11.73%, CET1 11.73%, leverage 9.02%.

Tier 1 RBC
11.73%
CET1
11.73%
Leverage
9.02%
No watch items at this period.

Asset Quality

StrongQoQ -5
91
Sub-score

Asset quality is strong: Adjusted NPL 0.64%, Texas Ratio 5.4%, NCO YTD 0.91%.

Adjusted NPL
0.64%
Govt-guarantees stripped
Texas Ratio
5.4%
NCO YTD
0.91%
30-89 PD
0.25%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -18
21
Sub-score

Reserves are weak: ALLL 0.59% of loans, coverage 91.7%, true coverage 48.8%.

ALLL / Loans
0.59%
Coverage
91.7%
True Loss Coverage
48.8%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 48.8% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.59% 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