Visbanking Logo
Skip to main content

22nd State Banking Company

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
68
/ 100
StableAs of 2025-Q3QoQ -3

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

Quarterly Headline

2025-Q3

Bank #449430 2025-Q3 Vital Signs Score: 68/100 — 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. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.27% (govt-guarantees stripped).
  2. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 2.79%.
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 33.2% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -5

The five pillars

Liquidity

StableQoQ -4
62
Sub-score

Liquidity is stable: brokered 21.6%, loans/deposits 88.5%, cash 3.4% of assets.

Cash / Assets
3.43%
Loans / Deposits
88.48%
Brokered %
21.63%
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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 14.96%, CET1 14.96%, leverage 13.45%.

Tier 1 RBC
14.96%
CET1
14.96%
Leverage
13.45%
No watch items at this period.

Asset Quality

WatchQoQ -6
42
Sub-score

Asset quality is deteriorating: Adjusted NPL 5.27%, Texas Ratio 26.8%, NCO YTD 0.45%.

Adjusted NPL
5.27%
Govt-guarantees stripped
Texas Ratio
26.8%
NCO YTD
0.45%
30-89 PD
0.60%
Band 0.3% / 3.0%
90+ PD
2.79%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.27% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 2.79%.

Reserves

RiskQoQ -5
35
Sub-score

Reserves are weak: ALLL 2.01% of loans, coverage 38.9%, true coverage 33.2%.

ALLL / Loans
2.01%
Coverage
38.9%
True Loss Coverage
33.2%

Watch Items

  • watchALLL / NPL below 50% — Coverage 38.9% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 33.2% (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