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Arbor Bank

IDRSSD: 1872941
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
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
75
/ 100
StableAs of 2025-Q2QoQ -9

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 #1872941 2025-Q2 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q1 2025:
↓ -9 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -46

The five pillars

Liquidity

StableQoQ -2
72
Sub-score

Liquidity is stable: brokered 2.1%, loans/deposits 94.6%, cash 3.6% of assets.

Cash / Assets
3.58%
Loans / Deposits
94.58%
Brokered %
2.10%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.44%
No watch items at this period.

Capitalization

StableQoQ -6
67
Sub-score

Capital position is stable: Tier 1 RBC 11.25%, CET1 11.25%, leverage 9.07%.

Tier 1 RBC
11.25%
CET1
11.25%
Leverage
9.07%
No watch items at this period.

Asset Quality

StrongQoQ 0
92
Sub-score

Asset quality is strong: Adjusted NPL 1.38%, Texas Ratio 11.7%, NCO YTD 0.05%.

Adjusted NPL
1.38%
Govt-guarantees stripped
Texas Ratio
11.7%
NCO YTD
0.05%
30-89 PD
0.28%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -46
39
Sub-score

Reserves are weak: ALLL 1.03% of loans, coverage 75.2%, true coverage 63.2%.

ALLL / Loans
1.03%
Coverage
75.2%
True Loss Coverage
63.2%
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 11:27:38 UTC