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Transportation Alliance Bank Inc Dba Tab Bank

IDRSSD: 2736219
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
76
/ 100
StableAs of 2023-Q4QoQ +15

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 #2736219 2023-Q4 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 45.0% of deposits (threshold 30%).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.16% of loans.

What changed this quarter

Compared to Q3 2023:
↑ +15 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    ↓ -26
  • Asset Quality
    ↑ +61
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +5
67
Sub-score

Liquidity is stable: brokered 45.0%, loans/deposits 92.0%, cash 9.2% of assets.

Cash / Assets
9.16%
Loans / Deposits
92.01%
Brokered %
45.04%

Watch Items

  • riskBrokered deposits above 30% — Brokered 45.0% 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

StableQoQ -26
74
Sub-score

Capital position is stable: Tier 1 RBC 10.75%, CET1 10.75%, leverage 11.32%.

Tier 1 RBC
10.75%
CET1
10.75%
Leverage
11.32%
No watch items at this period.

Asset Quality

StableQoQ +61
61
Sub-score

Asset quality is stable: Adjusted NPL 1.51%, Texas Ratio 9.2%, NCO YTD 2.16%.

Adjusted NPL
1.51%
Govt-guarantees stripped
Texas Ratio
9.2%
NCO YTD
2.16%
30-89 PD
2.55%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 2.16% of loans.

Reserves

Strong
96
Sub-score

Reserves are strong: ALLL 2.69% of loans, coverage 183.0%, true coverage 178.2%.

ALLL / Loans
2.69%
Coverage
183.0%
True Loss Coverage
178.2%
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: 2026-05-13 12:10:29 UTC