Liquidity
StableQoQ +10
66
Sub-score
Liquidity is stable: brokered 14.4%, loans/deposits 96.4%, cash 5.2% of assets.
- Cash / Assets
- 5.18%
- Loans / Deposits
- 96.42%
- Brokered %
- 14.45%
No watch items at this period.
Affinity Bank National Association
IDRSSD: 321273
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2025-Q1
Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
84
/ 100
StrongAs of 2025-Q1QoQ -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-Q1
Bank #321273 2025-Q1 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).
Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Strong
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q4 2024:
↓ -1 ptscomposite
- Liquidity↑ +10
- Securities— —
- Capitalization↓ -16
- Asset Quality↑ +1
- Reserves↑ +2
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 3.5% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 3.52%
SVB watch metric
No watch items at this period.
Capitalization
StableQoQ -16
73
Sub-score
Capital position is stable: Tier 1 RBC 11.47%, CET1 11.47%, leverage 10.34%.
- Tier 1 RBC
- 11.47%
- CET1
- 11.47%
- Leverage
- 10.34%
No watch items at this period.
Asset Quality
StrongQoQ +1
98
Sub-score
Asset quality is strong: Adjusted NPL 0.62%, Texas Ratio 4.4%, NCO YTD 0.05%.
- Adjusted NPL
- 0.62%
- Texas Ratio
- 4.4%
- NCO YTD
- 0.05%
- 30-89 PD
- 0.31%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ +2
87
Sub-score
Reserves are strong: ALLL 1.17% of loans, coverage 190.6%, true coverage 178.8%.
- ALLL / Loans
- 1.17%
- Coverage
- 190.6%
- True Loss Coverage
- 178.8%
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: 2026-05-13 08:11:16 UTC