Liquidity
StrongQoQ -3
90
Sub-score
Liquidity is strong: brokered 0.2%, loans/deposits 76.4%, cash 6.9% of assets.
- Cash / Assets
- 6.93%
- Loans / Deposits
- 76.42%
- Brokered %
- 0.21%
No watch items at this period.
Abbybank
IDRSSD: 198149
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
82
/ 100
StrongAs of 2025-Q3QoQ +1
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 #198149 2025-Q3 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).
Liquidity:Strong
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Watch
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q2 2025:
↑ +1 ptscomposite
- Liquidity↓ -3
- Securities— —
- Capitalization↑ +2
- Asset Quality↑ +4
- Reserves↑ +2
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 0.9% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 0.93%
SVB watch metric
No watch items at this period.
Capitalization
StableQoQ +2
80
Sub-score
Capital position is stable: Tier 1 RBC 12.48%, CET1 12.48%, leverage 8.99%.
- Tier 1 RBC
- 12.48%
- CET1
- 12.48%
- Leverage
- 8.99%
No watch items at this period.
Asset Quality
StrongQoQ +4
91
Sub-score
Asset quality is strong: Adjusted NPL 1.57%, Texas Ratio 10.3%, NCO YTD 0.04%.
- Adjusted NPL
- 1.57%
- Texas Ratio
- 10.3%
- NCO YTD
- 0.04%
- 30-89 PD
- 0.27%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
WatchQoQ +2
46
Sub-score
Reserves are deteriorating: ALLL 1.13% of loans, coverage 72.5%, true coverage 72.5%.
- ALLL / Loans
- 1.13%
- Coverage
- 72.5%
- True Loss Coverage
- 72.5%
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.tsfor 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 21:35:46 UTC