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Visionbank

IDRSSD: 3357077
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2024-Q2QoQ +3

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

Quarterly Headline

2024-Q2

Bank #3357077 2024-Q2 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 118.6% (threshold 100%).
  2. info
    Brokered deposits above 30%
    Liquidity — Brokered 30.6% of deposits (threshold 30%).

What changed this quarter

Compared to Q1 2024:
↑ +3 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↑ +12
  • Reserves
    ↑ +7

The five pillars

Liquidity

StableQoQ 0
60
Sub-score

Liquidity is stable: brokered 30.6%, loans/deposits 118.6%, cash 13.6% of assets.

Cash / Assets
13.59%
Loans / Deposits
118.56%
Brokered %
30.64%

Watch Items

  • infoBrokered deposits above 30% — Brokered 30.6% of deposits (threshold 30%).
  • riskLoans / Deposits above 100% — Loans/Deposits 118.6% (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

StableQoQ -5
78
Sub-score

Capital position is stable: Tier 1 RBC 12.28%, CET1 12.28%, leverage 9.22%.

Tier 1 RBC
12.28%
CET1
12.28%
Leverage
9.22%
No watch items at this period.

Asset Quality

StableQoQ +12
78
Sub-score

Asset quality is stable: Adjusted NPL 1.28%, Texas Ratio 11.2%, NCO YTD 0.00%.

Adjusted NPL
1.28%
Govt-guarantees stripped
Texas Ratio
11.2%
NCO YTD
0.00%
30-89 PD
2.64%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +7
26
Sub-score

Reserves are weak: ALLL 0.78% of loans, coverage 61.1%, true coverage 61.1%.

ALLL / Loans
0.78%
Coverage
61.1%
True Loss Coverage
61.1%
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