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Apex Bank

IDRSSD: 51253
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
73
/ 100
StableAs of 2025-Q1QoQ 0

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 #51253 2025-Q1 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 111.7% (threshold 100%).
  2. watch
    Brokered deposits above 30%
    Liquidity — Brokered 37.6% of deposits (threshold 30%).

What changed this quarter

Compared to Q4 2024:
↓ 0 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -6

The five pillars

Liquidity

WatchQoQ +2
57
Sub-score

Liquidity is deteriorating: brokered 37.6%, loans/deposits 111.7%, cash 8.7% of assets.

Cash / Assets
8.72%
Loans / Deposits
111.75%
Brokered %
37.61%

Watch Items

  • watchBrokered deposits above 30% — Brokered 37.6% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 111.7% (threshold 100%).

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 22.73%, CET1 22.73%, leverage 14.64%.

Tier 1 RBC
22.73%
CET1
22.73%
Leverage
14.64%
No watch items at this period.

Asset Quality

StableQoQ +1
68
Sub-score

Asset quality is stable: Adjusted NPL 1.73%, Texas Ratio 10.0%, NCO YTD -0.01%.

Adjusted NPL
1.73%
Govt-guarantees stripped
Texas Ratio
10.0%
NCO YTD
-0.01%
30-89 PD
3.63%
Band 0.3% / 3.0%
90+ PD
0.67%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -6
31
Sub-score

Reserves are weak: ALLL 1.01% of loans, coverage 58.6%, true coverage 55.0%.

ALLL / Loans
1.01%
Coverage
58.6%
True Loss Coverage
55.0%
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: 2026-05-14 20:18:35 UTC