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Ts Bank

IDRSSD: 552545
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
74
/ 100
StableAs of 2024-Q1QoQ -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-Q1

Bank #552545 2024-Q1 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. watch
    Brokered deposits above 30%
    Liquidity — Brokered 37.6% of deposits (threshold 30%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.73% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↓ -1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    ↓ 0
  • Capitalization
    ↑ +8
  • Asset Quality
    ↓ -11
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ -1
64
Sub-score

Liquidity is stable: brokered 37.6%, loans/deposits 47.2%, cash 2.7% of assets.

Cash / Assets
2.73%
Loans / Deposits
47.16%
Brokered %
37.57%

Watch Items

  • watchBrokered deposits above 30% — Brokered 37.6% of deposits (threshold 30%).
  • infoCash / Assets below 3% — Cash 2.73% of assets (threshold 3%).

Securities

StrongQoQ 0
85
Sub-score

Securities profile is strong: securities 24.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
24.45%
No watch items at this period.

Capitalization

WatchQoQ +8
57
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.41%, CET1 10.41%, leverage 7.48%.

Tier 1 RBC
10.41%
CET1
10.41%
Leverage
7.48%
No watch items at this period.

Asset Quality

StrongQoQ -11
87
Sub-score

Asset quality is strong: Adjusted NPL 0.05%, Texas Ratio 0.3%, NCO YTD 0.01%.

Adjusted NPL
0.05%
Govt-guarantees stripped
Texas Ratio
0.3%
NCO YTD
0.01%
30-89 PD
2.36%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +1
82
Sub-score

Reserves are strong: ALLL 0.96% of loans, coverage 1826.4%, true coverage 1826.4%.

ALLL / Loans
0.96%
Coverage
1826.4%
True Loss Coverage
1826.4%
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 01:51:40 UTC