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Valley Central Bank

IDRSSD: 320070
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 -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-Q4

Bank #320070 2024-Q4 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 113.3% (threshold 100%).
  3. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.45% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -6
  • Reserves
    ↑ +1

The five pillars

Liquidity

WatchQoQ +1
56
Sub-score

Liquidity is deteriorating: brokered 7.8%, loans/deposits 113.3%, cash 1.4% of assets.

Cash / Assets
1.45%
Loans / Deposits
113.29%
Brokered %
7.78%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 113.3% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.45% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.97%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 20.47%.

Tier 1 RBC
—
CET1
0.00%
Leverage
20.47%

Watch Items

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

Asset Quality

StrongQoQ -6
93
Sub-score

Asset quality is strong: Adjusted NPL 0.12%, Texas Ratio 0.4%, NCO YTD 0.00%.

Adjusted NPL
0.12%
Govt-guarantees stripped
Texas Ratio
0.4%
NCO YTD
0.00%
30-89 PD
1.39%
Band 0.3% / 3.0%
90+ PD
0.07%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +1
89
Sub-score

Reserves are strong: ALLL 1.18% of loans, coverage 1034.3%, true coverage 1034.3%.

ALLL / Loans
1.18%
Coverage
1034.3%
True Loss Coverage
1034.3%
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 06:31:38 UTC