Visbanking Logo
Skip to main content

Apex Bank

IDRSSD: 51253
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
69
/ 100
StableAs of 2025-Q3QoQ -3

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 #51253 2025-Q3 Vital Signs Score: 69/100 — 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 114.1% (threshold 100%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 39.1% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Brokered deposits above 30%
    Liquidity — Brokered 35.9% of deposits (threshold 30%).

What changed this quarter

Compared to Q2 2025:
↓ -3 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -2

The five pillars

Liquidity

WatchQoQ +4
53
Sub-score

Liquidity is deteriorating: brokered 35.9%, loans/deposits 114.1%, cash 6.9% of assets.

Cash / Assets
6.90%
Loans / Deposits
114.08%
Brokered %
35.93%

Watch Items

  • watchBrokered deposits above 30% — Brokered 35.9% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 114.1% (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 25.11%, CET1 25.11%, leverage 15.58%.

Tier 1 RBC
25.11%
CET1
25.11%
Leverage
15.58%
No watch items at this period.

Asset Quality

StableQoQ -12
62
Sub-score

Asset quality is stable: Adjusted NPL 2.53%, Texas Ratio 13.3%, NCO YTD 0.00%.

Adjusted NPL
2.53%
Govt-guarantees stripped
Texas Ratio
13.3%
NCO YTD
0.00%
30-89 PD
2.03%
Band 0.3% / 3.0%
90+ PD
1.15%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.53% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.15%.

Reserves

RiskQoQ -2
22
Sub-score

Reserves are weak: ALLL 1.02% of loans, coverage 40.6%, true coverage 39.1%.

ALLL / Loans
1.02%
Coverage
40.6%
True Loss Coverage
39.1%

Watch Items

  • infoALLL / NPL below 50% — Coverage 40.6% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 39.1% (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