Liquidity
StrongQoQ 0
81
Sub-score
Liquidity is strong: brokered 1.5%, loans/deposits 85.0%, cash 5.4% of assets.
- Cash / Assets
- 5.40%
- Loans / Deposits
- 85.02%
- Brokered %
- 1.47%
No watch items at this period.
Arthur State Bank
IDRSSD: 591320
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
85
/ 100
StrongAs of 2025-Q2QoQ +2
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 #591320 2025-Q2 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).
Liquidity:Strong
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Stable
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q1 2025:
↑ +2 ptscomposite
- Liquidity↓ 0
- Securities— —
- Capitalization↑ +2
- Asset Quality↑ +6
- Reserves↑ +4
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 14.8% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 14.82%
SVB watch metric
No watch items at this period.
Capitalization
StableQoQ +2
71
Sub-score
Capital position is stable: Tier 1 RBC 11.96%, CET1 11.96%, leverage 8.16%.
- Tier 1 RBC
- 11.96%
- CET1
- 11.96%
- Leverage
- 8.16%
No watch items at this period.
Asset Quality
StrongQoQ +6
98
Sub-score
Asset quality is strong: Adjusted NPL 0.60%, Texas Ratio 5.0%, NCO YTD -0.04%.
- Adjusted NPL
- 0.60%
- Texas Ratio
- 5.0%
- NCO YTD
- -0.04%
- 30-89 PD
- 0.36%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StableQoQ +4
79
Sub-score
Reserves are stable: ALLL 1.04% of loans, coverage 175.2%, true coverage 116.5%.
- ALLL / Loans
- 1.04%
- Coverage
- 175.2%
- True Loss Coverage
- 116.5%
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.tsfor 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 23:12:34 UTC