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Triad Business Bank

IDRSSD: 5398627
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2024-Q3QoQ +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-Q3

Bank #5398627 2024-Q3 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Brokered deposits above 30%
    Liquidity — Brokered 30.5% of deposits (threshold 30%).

What changed this quarter

Compared to Q2 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -7
  • Reserves
    ↑ +27

The five pillars

Liquidity

StableQoQ +6
67
Sub-score

Liquidity is stable: brokered 30.5%, loans/deposits 76.9%, cash 5.7% of assets.

Cash / Assets
5.73%
Loans / Deposits
76.90%
Brokered %
30.46%

Watch Items

  • infoBrokered deposits above 30% — Brokered 30.5% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.74%
No watch items at this period.

Capitalization

StableQoQ -4
79
Sub-score

Capital position is stable: Tier 1 RBC 12.03%, CET1 12.03%, leverage 10.91%.

Tier 1 RBC
12.03%
CET1
12.03%
Leverage
10.91%
No watch items at this period.

Asset Quality

StrongQoQ -7
93
Sub-score

Asset quality is strong: Adjusted NPL 0.40%, Texas Ratio 2.3%, NCO YTD 0.00%.

Adjusted NPL
0.40%
Govt-guarantees stripped
Texas Ratio
2.3%
NCO YTD
0.00%
30-89 PD
1.42%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +27
69
Sub-score

Reserves are stable: ALLL 1.23% of loans, coverage 306.9%, true coverage 54.9%.

ALLL / Loans
1.23%
Coverage
306.9%
True Loss Coverage
54.9%
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: 2026-05-14 11:14:12 UTC