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Valley Bank Of Ronan

IDRSSD: 624956
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
92
/ 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 #624956 2024-Q3 Vital Signs Score: 92/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q2 2024:
↑ +2 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +8
  • Asset Quality
    — —
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ 0
94
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 81.1%, cash 9.9% of assets.

Cash / Assets
9.86%
Loans / Deposits
81.05%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 13.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
13.38%
No watch items at this period.

Capitalization

StableQoQ +8
72
Sub-score

Capital position is stable: Tier 1 RBC 11.38%, CET1 11.38%, leverage 9.88%.

Tier 1 RBC
11.38%
CET1
11.38%
Leverage
9.88%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.38%, Texas Ratio 2.5%, NCO YTD -0.18%.

Adjusted NPL
0.38%
Govt-guarantees stripped
Texas Ratio
2.5%
NCO YTD
-0.18%
30-89 PD
0.04%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 1.66% of loans, coverage 443.0%, true coverage 125.4%.

ALLL / Loans
1.66%
Coverage
443.0%
True Loss Coverage
125.4%
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: 2026-05-14 07:30:13 UTC