Visbanking Logo
Skip to main content

Alerus Financial National Association

IDRSSD: 933256
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-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

2025-Q4

Bank #933256 2025-Q4 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.29% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ -4 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -9
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -5

The five pillars

Liquidity

StableQoQ -2
67
Sub-score

Liquidity is stable: brokered 0.2%, loans/deposits 94.5%, cash 1.3% of assets.

Cash / Assets
1.29%
Loans / Deposits
94.50%
Brokered %
0.20%

Watch Items

  • watchCash / Assets below 3% — Cash 1.29% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.88%
No watch items at this period.

Capitalization

WatchQoQ -9
56
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.41%, CET1 10.41%, leverage 8.44%.

Tier 1 RBC
10.41%
CET1
10.41%
Leverage
8.44%
No watch items at this period.

Asset Quality

StrongQoQ -2
89
Sub-score

Asset quality is strong: Adjusted NPL 1.65%, Texas Ratio 13.0%, NCO YTD -0.03%.

Adjusted NPL
1.65%
Govt-guarantees stripped
Texas Ratio
13.0%
NCO YTD
-0.03%
30-89 PD
0.10%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -5
73
Sub-score

Reserves are stable: ALLL 1.52% of loans, coverage 93.4%, true coverage 93.4%.

ALLL / Loans
1.52%
Coverage
93.4%
True Loss Coverage
93.4%
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.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: 2026-05-13 16:14:44 UTC