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22nd State Banking Company

IDRSSD: 449430
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2025-Q2QoQ +4

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

Quarterly Headline

2025-Q2

Bank #449430 2025-Q2 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.31% (govt-guarantees stripped).
  2. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.59%.
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 42.7% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2025:
↑ +4 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +34
  • Asset Quality
    ↓ -11
  • Reserves
    ↓ -14

The five pillars

Liquidity

StableQoQ 0
66
Sub-score

Liquidity is stable: brokered 15.9%, loans/deposits 90.5%, cash 4.0% of assets.

Cash / Assets
3.98%
Loans / Deposits
90.54%
Brokered %
15.94%
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

StrongQoQ +34
100
Sub-score

Capital position is strong: Tier 1 RBC 14.75%, CET1 14.75%, leverage 12.76%.

Tier 1 RBC
14.75%
CET1
14.75%
Leverage
12.76%
No watch items at this period.

Asset Quality

WatchQoQ -11
48
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.31%, Texas Ratio 21.7%, NCO YTD 0.07%.

Adjusted NPL
4.31%
Govt-guarantees stripped
Texas Ratio
21.7%
NCO YTD
0.07%
30-89 PD
1.38%
Band 0.3% / 3.0%
90+ PD
1.59%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.31% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.59%.

Reserves

RiskQoQ -14
39
Sub-score

Reserves are weak: ALLL 2.09% of loans, coverage 49.6%, true coverage 42.7%.

ALLL / Loans
2.09%
Coverage
49.6%
True Loss Coverage
42.7%

Watch Items

  • infoALLL / NPL below 50% — Coverage 49.6% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 42.7% (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: 2026-05-12 16:32:57 UTC