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Avidia Bank

IDRSSD: 619701
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
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
73
/ 100
StableAs of 2025-Q1QoQ -7

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 #619701 2025-Q1 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 3.10% of loans.
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 103.2% (threshold 100%).

What changed this quarter

Compared to Q4 2024:
↓ -7 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -9
  • Asset Quality
    ↓ -17
  • Reserves
    ↓ -4

The five pillars

Liquidity

StableQoQ +2
67
Sub-score

Liquidity is stable: brokered 1.3%, loans/deposits 103.2%, cash 3.1% of assets.

Cash / Assets
3.07%
Loans / Deposits
103.15%
Brokered %
1.26%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.2% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.27%
No watch items at this period.

Capitalization

WatchQoQ -9
50
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.09%, CET1 10.09%, leverage 7.98%.

Tier 1 RBC
10.09%
CET1
10.09%
Leverage
7.98%
No watch items at this period.

Asset Quality

StrongQoQ -17
83
Sub-score

Asset quality is strong: Adjusted NPL 0.54%, Texas Ratio 5.0%, NCO YTD 3.10%.

Adjusted NPL
0.54%
Govt-guarantees stripped
Texas Ratio
5.0%
NCO YTD
3.10%
30-89 PD
0.10%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 3.10% of loans.

Reserves

StableQoQ -4
79
Sub-score

Reserves are stable: ALLL 0.98% of loans, coverage 183.9%, true coverage 140.4%.

ALLL / Loans
0.98%
Coverage
183.9%
True Loss Coverage
140.4%
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 19:35:09 UTC