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Apex Bank

IDRSSD: 51253
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2025-Q2QoQ -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-Q2

Bank #51253 2025-Q2 Vital Signs Score: 72/100 — 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. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 117.7% (threshold 100%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 42.4% (Adjusted NPL + Performing Mods denominator).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 44.3% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q1 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +7
  • Reserves
    ↓ -7

The five pillars

Liquidity

WatchQoQ -8
49
Sub-score

Liquidity is deteriorating: brokered 33.5%, loans/deposits 117.7%, cash 5.2% of assets.

Cash / Assets
5.21%
Loans / Deposits
117.70%
Brokered %
33.50%

Watch Items

  • infoBrokered deposits above 30% — Brokered 33.5% of deposits (threshold 30%).
  • riskLoans / Deposits above 100% — Loans/Deposits 117.7% (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 24.22%, CET1 24.22%, leverage 14.68%.

Tier 1 RBC
24.22%
CET1
24.22%
Leverage
14.68%
No watch items at this period.

Asset Quality

StableQoQ +7
74
Sub-score

Asset quality is stable: Adjusted NPL 2.33%, Texas Ratio 12.8%, NCO YTD 0.02%.

Adjusted NPL
2.33%
Govt-guarantees stripped
Texas Ratio
12.8%
NCO YTD
0.02%
30-89 PD
0.68%
Band 0.3% / 3.0%
90+ PD
0.92%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.33% (govt-guarantees stripped).

Reserves

RiskQoQ -7
23
Sub-score

Reserves are weak: ALLL 1.02% of loans, coverage 44.3%, true coverage 42.4%.

ALLL / Loans
1.02%
Coverage
44.3%
True Loss Coverage
42.4%

Watch Items

  • infoALLL / NPL below 50% — Coverage 44.3% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 42.4% (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: 2026-05-14 20:18:35 UTC