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Visionbank

IDRSSD: 3357077
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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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
59
/ 100
WatchAs of 2024-Q4QoQ -4

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 #3357077 2024-Q4 Vital Signs Score: 59/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 15.3% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 15.3% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 120.5% (threshold 100%).

What changed this quarter

Compared to Q3 2024:
↓ -4 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -13
  • Reserves
    ↓ 0

The five pillars

Liquidity

StableQoQ +1
62
Sub-score

Liquidity is stable: brokered 27.6%, loans/deposits 120.5%, cash 10.6% of assets.

Cash / Assets
10.60%
Loans / Deposits
120.54%
Brokered %
27.62%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 120.5% (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 -3
70
Sub-score

Capital position is stable: Tier 1 RBC 11.60%, CET1 11.60%, leverage 9.11%.

Tier 1 RBC
11.60%
CET1
11.60%
Leverage
9.11%
No watch items at this period.

Asset Quality

WatchQoQ -13
51
Sub-score

Asset quality is deteriorating: Adjusted NPL 5.37%, Texas Ratio 48.4%, NCO YTD 0.00%.

Adjusted NPL
5.37%
Govt-guarantees stripped
Texas Ratio
48.4%
NCO YTD
0.00%
30-89 PD
1.67%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.37% (govt-guarantees stripped).

Reserves

RiskQoQ 0
10
Sub-score

Reserves are weak: ALLL 0.81% of loans, coverage 15.3%, true coverage 15.3%.

ALLL / Loans
0.81%
Coverage
15.3%
True Loss Coverage
15.3%

Watch Items

  • riskALLL / NPL below 50% — Coverage 15.3% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 15.3% (Adjusted NPL + Performing Mods denominator).

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