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Visionbank

IDRSSD: 3357077
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
67
/ 100
StableAs of 2024-Q1QoQ -12

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 #3357077 2024-Q1 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 126.1% (threshold 100%).
  2. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.50%.

What changed this quarter

Compared to Q4 2023:
↓ -12 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -16
  • Reserves
    ↓ -56

The five pillars

Liquidity

StableQoQ 0
60
Sub-score

Liquidity is stable: brokered 30.0%, loans/deposits 126.1%, cash 10.2% of assets.

Cash / Assets
10.17%
Loans / Deposits
126.11%
Brokered %
29.99%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 126.1% (threshold 100%).

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

StrongQoQ +3
83
Sub-score

Capital position is strong: Tier 1 RBC 12.08%, CET1 12.08%, leverage 9.33%.

Tier 1 RBC
12.08%
CET1
12.08%
Leverage
9.33%
No watch items at this period.

Asset Quality

StableQoQ -16
66
Sub-score

Asset quality is stable: Adjusted NPL 1.50%, Texas Ratio 13.5%, NCO YTD 0.00%.

Adjusted NPL
1.50%
Govt-guarantees stripped
Texas Ratio
13.5%
NCO YTD
0.00%
30-89 PD
2.29%
Band 0.3% / 3.0%
90+ PD
1.50%
Band 0.1% / 2.0%

Watch Items

  • watch90+ days past due elevated — 90+ PD 1.50%.

Reserves

RiskQoQ -56
19
Sub-score

Reserves are weak: ALLL 0.77% of loans, coverage 51.4%, true coverage 51.4%.

ALLL / Loans
0.77%
Coverage
51.4%
True Loss Coverage
51.4%
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 06:20:15 UTC