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Arbor Bank

IDRSSD: 1872941
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
76
/ 100
StableAs of 2025-Q4QoQ +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-Q4

Bank #1872941 2025-Q4 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.9% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.72% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↑ +1 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +10

The five pillars

Liquidity

StableQoQ -3
66
Sub-score

Liquidity is stable: brokered 3.7%, loans/deposits 100.9%, cash 2.7% of assets.

Cash / Assets
2.72%
Loans / Deposits
100.87%
Brokered %
3.68%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.9% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.72% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.20%
No watch items at this period.

Capitalization

StableQoQ 0
63
Sub-score

Capital position is stable: Tier 1 RBC 10.91%, CET1 10.91%, leverage 9.06%.

Tier 1 RBC
10.91%
CET1
10.91%
Leverage
9.06%
No watch items at this period.

Asset Quality

StrongQoQ +1
94
Sub-score

Asset quality is strong: Adjusted NPL 0.88%, Texas Ratio 7.6%, NCO YTD -0.05%.

Adjusted NPL
0.88%
Govt-guarantees stripped
Texas Ratio
7.6%
NCO YTD
-0.05%
30-89 PD
0.66%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +10
57
Sub-score

Reserves are deteriorating: ALLL 1.00% of loans, coverage 114.5%, true coverage 84.8%.

ALLL / Loans
1.00%
Coverage
114.5%
True Loss Coverage
84.8%
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