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Avidbank

IDRSSD: 3214059
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
78
/ 100
StableAs of 2026-Q1QoQ +2

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 #3214059 2026-Q1 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q4 2025:
↑ +2 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +7

The five pillars

Liquidity

StableQoQ -1
62
Sub-score

Liquidity is stable: brokered 22.1%, loans/deposits 97.7%, cash 5.8% of assets.

Cash / Assets
5.79%
Loans / Deposits
97.69%
Brokered %
22.07%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StableQoQ +4
77
Sub-score

Capital position is stable: Tier 1 RBC 11.87%, CET1 11.87%, leverage 11.86%.

Tier 1 RBC
11.87%
CET1
11.87%
Leverage
11.86%
No watch items at this period.

Asset Quality

StrongQoQ +1
94
Sub-score

Asset quality is strong: Adjusted NPL 0.76%, Texas Ratio 5.1%, NCO YTD 0.51%.

Adjusted NPL
0.76%
Govt-guarantees stripped
Texas Ratio
5.1%
NCO YTD
0.51%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +7
52
Sub-score

Reserves are deteriorating: ALLL 0.96% of loans, coverage 128.3%, true coverage 69.6%.

ALLL / Loans
0.96%
Coverage
128.3%
True Loss Coverage
69.6%
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: 2026-05-14 03:48:26 UTC