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IDRSSD: 2860459
Total Assets
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Latest filing
Total Deposits
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Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2025-Q1QoQ -4

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

Quarterly Headline

2025-Q1

Bank #2860459 2025-Q1 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2024:
↓ -4 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -21

The five pillars

Liquidity

StrongQoQ +2
83
Sub-score

Liquidity is strong: brokered 24.8%, loans/deposits 70.4%, cash 18.1% of assets.

Cash / Assets
18.10%
Loans / Deposits
70.41%
Brokered %
24.85%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.41%
No watch items at this period.

Capitalization

StrongQoQ 0
99
Sub-score

Capital position is strong: Tier 1 RBC 17.94%, CET1 17.94%, leverage 9.80%.

Tier 1 RBC
17.94%
CET1
17.94%
Leverage
9.80%
No watch items at this period.

Asset Quality

StableQoQ -4
76
Sub-score

Asset quality is stable: Adjusted NPL 1.44%, Texas Ratio 6.5%, NCO YTD 0.58%.

Adjusted NPL
1.44%
Govt-guarantees stripped
Texas Ratio
6.5%
NCO YTD
0.58%
30-89 PD
1.51%
Band 0.3% / 3.0%
90+ PD
0.61%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -21
66
Sub-score

Reserves are stable: ALLL 1.35% of loans, coverage 95.3%, true coverage 87.9%.

ALLL / Loans
1.35%
Coverage
95.3%
True Loss Coverage
87.9%
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: 2026-05-15 09:53:37 UTC