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Bangor Savings Bank

IDRSSD: 419406
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
75
/ 100
StableAs of 2025-Q3QoQ +1

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 #419406 2025-Q3 Vital Signs Score: 75/100 — 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. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.35% of assets (threshold 3%).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.62% of loans.
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.72% of loans.

What changed this quarter

Compared to Q2 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -12
  • Reserves
    ↑ +19

The five pillars

Liquidity

StableQoQ +2
69
Sub-score

Liquidity is stable: brokered 4.8%, loans/deposits 86.2%, cash 1.3% of assets.

Cash / Assets
1.35%
Loans / Deposits
86.16%
Brokered %
4.79%

Watch Items

  • watchCash / Assets below 3% — Cash 1.35% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.48%
No watch items at this period.

Capitalization

WatchQoQ +3
53
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.63%, CET1 10.63%, leverage 7.68%.

Tier 1 RBC
10.63%
CET1
10.63%
Leverage
7.68%
No watch items at this period.

Asset Quality

StrongQoQ -12
87
Sub-score

Asset quality is strong: Adjusted NPL 0.24%, Texas Ratio 2.0%, NCO YTD 1.62%.

Adjusted NPL
0.24%
Govt-guarantees stripped
Texas Ratio
2.0%
NCO YTD
1.62%
30-89 PD
0.13%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.62% of loans.

Reserves

StableQoQ +19
74
Sub-score

Reserves are stable: ALLL 0.72% of loans, coverage 309.4%, true coverage 291.2%.

ALLL / Loans
0.72%
Coverage
309.4%
True Loss Coverage
291.2%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.72% of loans.

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 04:03:19 UTC