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Apex Bank

IDRSSD: 51253
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
63
/ 100
StableAs of 2025-Q4QoQ -6

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 #51253 2025-Q4 Vital Signs Score: 63/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 28.2% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 29.0% (regulatory soft-warning level 50%).
  3. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 112.2% (threshold 100%).

What changed this quarter

Compared to Q3 2025:
↓ -6 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -18
  • Reserves
    ↓ -7

The five pillars

Liquidity

WatchQoQ -4
49
Sub-score

Liquidity is deteriorating: brokered 34.7%, loans/deposits 112.2%, cash 5.2% of assets.

Cash / Assets
5.20%
Loans / Deposits
112.20%
Brokered %
34.69%

Watch Items

  • infoBrokered deposits above 30% — Brokered 34.7% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 112.2% (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 22.34%, CET1 22.34%, leverage 14.05%.

Tier 1 RBC
22.34%
CET1
22.34%
Leverage
14.05%
No watch items at this period.

Asset Quality

WatchQoQ -18
44
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.31%, Texas Ratio 19.4%, NCO YTD 0.16%.

Adjusted NPL
3.31%
Govt-guarantees stripped
Texas Ratio
19.4%
NCO YTD
0.16%
30-89 PD
2.39%
Band 0.3% / 3.0%
90+ PD
2.35%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.31% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.35%.

Reserves

RiskQoQ -7
15
Sub-score

Reserves are weak: ALLL 0.95% of loans, coverage 29.0%, true coverage 28.2%.

ALLL / Loans
0.95%
Coverage
29.0%
True Loss Coverage
28.2%

Watch Items

  • watchALLL / NPL below 50% — Coverage 29.0% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 28.2% (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