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Astra Bank

IDRSSD: 1003455
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
86
/ 100
StrongAs of 2025-Q3QoQ +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-Q3

Bank #1003455 2025-Q3 Vital Signs Score: 86/100 — 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

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.78% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↑ +2 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +7
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ 0

The five pillars

Liquidity

StrongQoQ 0
80
Sub-score

Liquidity is strong: brokered 2.0%, loans/deposits 58.9%, cash 1.8% of assets.

Cash / Assets
1.78%
Loans / Deposits
58.89%
Brokered %
1.99%

Watch Items

  • watchCash / Assets below 3% — Cash 1.78% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.28%
No watch items at this period.

Capitalization

StableQoQ +7
68
Sub-score

Capital position is stable: Tier 1 RBC 11.76%, CET1 11.76%, leverage 8.32%.

Tier 1 RBC
11.76%
CET1
11.76%
Leverage
8.32%
No watch items at this period.

Asset Quality

StrongQoQ -1
99
Sub-score

Asset quality is strong: Adjusted NPL 0.19%, Texas Ratio 1.1%, NCO YTD 0.03%.

Adjusted NPL
0.19%
Govt-guarantees stripped
Texas Ratio
1.1%
NCO YTD
0.03%
30-89 PD
0.13%
Band 0.3% / 3.0%
90+ PD
0.19%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ 0
85
Sub-score

Reserves are strong: ALLL 1.06% of loans, coverage 568.3%, true coverage 568.3%.

ALLL / Loans
1.06%
Coverage
568.3%
True Loss Coverage
568.3%
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 19:43:29 UTC