Liquidity
Strong
100
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 60.2%, cash 15.5% of assets.
- Cash / Assets
- 15.49%
- Loans / Deposits
- 60.22%
- Brokered %
- 0.00%
No watch items at this period.
Baker Boyer National Bank
IDRSSD: 69678
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2025-Q4
Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
89
/ 100
StrongAs of 2025-Q4QoQ 0
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2025-Q4
Bank #69678 2025-Q4 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (watch).
Liquidity:Strong
Securities:Strong
Capitalization:Strong
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 Q3 2025:
↑ 0 ptscomposite
- Liquidity— —
- Securities— —
- Capitalization↓ -1
- Asset Quality↓ -1
- Reserves↑ +4
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 4.5% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 4.49%
SVB watch metric
No watch items at this period.
Capitalization
StrongQoQ -1
96
Sub-score
Capital position is strong: Tier 1 RBC 15.01%, CET1 15.01%, leverage 8.99%.
- Tier 1 RBC
- 15.01%
- CET1
- 15.01%
- Leverage
- 8.99%
No watch items at this period.
Asset Quality
StrongQoQ -1
92
Sub-score
Asset quality is strong: Adjusted NPL 1.10%, Texas Ratio 6.4%, NCO YTD 0.01%.
- Adjusted NPL
- 1.10%
- Texas Ratio
- 6.4%
- NCO YTD
- 0.01%
- 30-89 PD
- 0.62%
- 90+ PD
- 0.20%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
WatchQoQ +4
50
Sub-score
Reserves are deteriorating: ALLL 1.05% of loans, coverage 96.5%, true coverage 73.7%.
- ALLL / Loans
- 1.05%
- Coverage
- 96.5%
- True Loss Coverage
- 73.7%
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.tsfor 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: 2026-05-13 08:29:46 UTC