Liquidity
StrongQoQ 0
82
Sub-score
Liquidity is strong: brokered 1.5%, loans/deposits 86.6%, cash 5.9% of assets.
- Cash / Assets
- 5.94%
- Loans / Deposits
- 86.64%
- Brokered %
- 1.46%
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-Q3
Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
87
/ 100
StrongAs of 2025-Q3QoQ +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-Q3
Bank #591320 2025-Q3 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).
Liquidity:Strong
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Strong
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q2 2025:
↑ +1 ptscomposite
- Liquidity↑ 0
- Securities— —
- Capitalization↑ +2
- Asset Quality↑ +1
- Reserves↑ +3
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 14.1% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 14.10%
SVB watch metric
No watch items at this period.
Capitalization
StableQoQ +2
73
Sub-score
Capital position is stable: Tier 1 RBC 12.10%, CET1 12.10%, leverage 8.19%.
- Tier 1 RBC
- 12.10%
- CET1
- 12.10%
- Leverage
- 8.19%
No watch items at this period.
Asset Quality
StrongQoQ +1
99
Sub-score
Asset quality is strong: Adjusted NPL 0.56%, Texas Ratio 4.6%, NCO YTD -0.01%.
- Adjusted NPL
- 0.56%
- Texas Ratio
- 4.6%
- NCO YTD
- -0.01%
- 30-89 PD
- 0.22%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ +3
82
Sub-score
Reserves are strong: ALLL 1.04% of loans, coverage 188.0%, true coverage 124.5%.
- ALLL / Loans
- 1.04%
- Coverage
- 188.0%
- True Loss Coverage
- 124.5%
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