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Transpecos Banks Ssb

IDRSSD: 908861
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
60
/ 100
WatchAs of 2024-Q1QoQ -2

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

Quarterly Headline

2024-Q1

Bank #908861 2024-Q1 Vital Signs Score: 60/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 50.0% of deposits (threshold 30%).
  2. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 44.4% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2023:
↓ -2 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -15
  • Reserves
    ↑ +5

The five pillars

Liquidity

StableQoQ +4
78
Sub-score

Liquidity is stable: brokered 50.0%, loans/deposits 74.6%, cash 16.1% of assets.

Cash / Assets
16.10%
Loans / Deposits
74.61%
Brokered %
50.02%

Watch Items

  • riskBrokered deposits above 30% — Brokered 50.0% of deposits (threshold 30%).

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

WatchQoQ 0
43
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.15%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.15%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

WatchQoQ -15
58
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.52%, Texas Ratio 19.8%, NCO YTD 0.20%.

Adjusted NPL
2.52%
Govt-guarantees stripped
Texas Ratio
19.8%
NCO YTD
0.20%
30-89 PD
2.32%
Band 0.3% / 3.0%
90+ PD
1.20%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.52% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.20%.

Reserves

RiskQoQ +5
27
Sub-score

Reserves are weak: ALLL 1.11% of loans, coverage 44.4%, true coverage 44.4%.

ALLL / Loans
1.11%
Coverage
44.4%
True Loss Coverage
44.4%

Watch Items

  • infoALLL / NPL below 50% — Coverage 44.4% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 44.4% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-14 09:05:35 UTC