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Ascent Bank

IDRSSD: 647955
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2026-Q1QoQ -14

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2026-Q1

Bank #647955 2026-Q1 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.00% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↓ -14 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    ↓ -30
  • Asset Quality
    ↓ -15
  • Reserves
    ↓ -6

The five pillars

Liquidity

StrongQoQ -8
87
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 88.4%, cash 8.2% of assets.

Cash / Assets
8.20%
Loans / Deposits
88.42%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.81%
No watch items at this period.

Capitalization

StableQoQ -30
64
Sub-score

Capital position is stable: Tier 1 RBC 11.41%, CET1 11.41%, leverage 7.91%.

Tier 1 RBC
11.41%
CET1
11.41%
Leverage
7.91%
No watch items at this period.

Asset Quality

StableQoQ -15
73
Sub-score

Asset quality is stable: Adjusted NPL 2.00%, Texas Ratio 16.3%, NCO YTD 0.00%.

Adjusted NPL
2.00%
Govt-guarantees stripped
Texas Ratio
16.3%
NCO YTD
0.00%
30-89 PD
2.44%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.00% (govt-guarantees stripped).

Reserves

WatchQoQ -6
59
Sub-score

Reserves are deteriorating: ALLL 1.54% of loans, coverage 78.3%, true coverage 70.0%.

ALLL / Loans
1.54%
Coverage
78.3%
True Loss Coverage
70.0%
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: 2026-05-12 21:41:26 UTC