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Vast Bank National Association

IDRSSD: 347956
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
69
/ 100
StableAs of 2024-Q1QoQ -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-Q1

Bank #347956 2024-Q1 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (risk).

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

Top 3 Watch Items

  1. risk
    Tier 1 RBC below 8%
    Capitalization — Tier 1 RBC 4.20% (PCA threshold 8%).
  2. risk
    CET1 below 7%
    Capitalization — CET1 4.20% (threshold 7%).
  3. watch
    Tier 1 Leverage below 5%
    Capitalization — Tier 1 Leverage 3.04% (PCA threshold 5%).

What changed this quarter

Compared to Q4 2023:
↓ -2 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -5

The five pillars

Liquidity

StrongQoQ +6
85
Sub-score

Liquidity is strong: brokered 22.2%, loans/deposits 65.2%, cash 19.5% of assets.

Cash / Assets
19.51%
Loans / Deposits
65.22%
Brokered %
22.20%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Risk
0
Sub-score

Capital position is weak: Tier 1 RBC 4.20%, CET1 4.20%, leverage 3.04%.

Tier 1 RBC
4.20%
CET1
4.20%
Leverage
3.04%

Watch Items

  • riskTier 1 RBC below 8% — Tier 1 RBC 4.20% (PCA threshold 8%).
  • riskCET1 below 7% — CET1 4.20% (threshold 7%).
  • watchTier 1 Leverage below 5% — Tier 1 Leverage 3.04% (PCA threshold 5%).

Asset Quality

StrongQoQ -8
89
Sub-score

Asset quality is strong: Adjusted NPL 1.17%, Texas Ratio 15.6%, NCO YTD 0.51%.

Adjusted NPL
1.17%
Govt-guarantees stripped
Texas Ratio
15.6%
NCO YTD
0.51%
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

StrongQoQ -5
95
Sub-score

Reserves are strong: ALLL 2.04% of loans, coverage 177.4%, true coverage 176.2%.

ALLL / Loans
2.04%
Coverage
177.4%
True Loss Coverage
176.2%
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 01:42:25 UTC