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Ts Bank

IDRSSD: 552545
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2024-Q4QoQ +11

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

Quarterly Headline

2024-Q4

Bank #552545 2024-Q4 Vital Signs Score: 75/100 — 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 37.0% of deposits (threshold 30%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.40% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↑ +11 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    ↑ +4
  • Capitalization
    ↓ 0
  • Asset Quality
    ↑ +15
  • Reserves
    ↑ +45

The five pillars

Liquidity

StableQoQ 0
63
Sub-score

Liquidity is stable: brokered 37.0%, loans/deposits 48.5%, cash 2.4% of assets.

Cash / Assets
2.40%
Loans / Deposits
48.51%
Brokered %
37.02%

Watch Items

  • watchBrokered deposits above 30% — Brokered 37.0% of deposits (threshold 30%).
  • infoCash / Assets below 3% — Cash 2.40% of assets (threshold 3%).

Securities

StrongQoQ +4
90
Sub-score

Securities profile is strong: securities 22.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
22.87%
No watch items at this period.

Capitalization

WatchQoQ 0
49
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.23%, CET1 10.23%, leverage 7.89%.

Tier 1 RBC
10.23%
CET1
10.23%
Leverage
7.89%
No watch items at this period.

Asset Quality

StrongQoQ +15
95
Sub-score

Asset quality is strong: Adjusted NPL 0.37%, Texas Ratio 2.0%, NCO YTD 0.02%.

Adjusted NPL
0.37%
Govt-guarantees stripped
Texas Ratio
2.0%
NCO YTD
0.02%
30-89 PD
0.71%
Band 0.3% / 3.0%
90+ PD
0.34%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +45
85
Sub-score

Reserves are strong: ALLL 1.04% of loans, coverage 286.5%, true coverage 286.5%.

ALLL / Loans
1.04%
Coverage
286.5%
True Loss Coverage
286.5%
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