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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 — 2024-Q1

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

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2024-Q1QoQ -8

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 #2736219 2024-Q1 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 4.21% of loans.
  3. watch
    Brokered deposits above 30%
    Liquidity — Brokered 40.2% of deposits (threshold 30%).

What changed this quarter

Compared to Q4 2023:
↓ -8 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -24
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -10

The five pillars

Liquidity

StableQoQ -2
65
Sub-score

Liquidity is stable: brokered 40.2%, loans/deposits 92.3%, cash 8.4% of assets.

Cash / Assets
8.37%
Loans / Deposits
92.28%
Brokered %
40.23%

Watch Items

  • watchBrokered deposits above 30% — Brokered 40.2% 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 -24
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 10.53%.

Tier 1 RBC
—
CET1
0.00%
Leverage
10.53%

Watch Items

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

Asset Quality

StableQoQ 0
61
Sub-score

Asset quality is stable: Adjusted NPL 1.81%, Texas Ratio 11.4%, NCO YTD 4.21%.

Adjusted NPL
1.81%
Govt-guarantees stripped
Texas Ratio
11.4%
NCO YTD
4.21%
30-89 PD
2.13%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 4.21% of loans.

Reserves

StrongQoQ -10
87
Sub-score

Reserves are strong: ALLL 2.47% of loans, coverage 139.7%, true coverage 136.4%.

ALLL / Loans
2.47%
Coverage
139.7%
True Loss Coverage
136.4%
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