Liquidity
StrongQoQ 0
96
Sub-score
Liquidity is strong: brokered 4.3%, loans/deposits 58.7%.
- Cash / Assets
- —
- Loans / Deposits
- 58.68%
- Brokered %
- 4.30%
No watch items at this period.
Bank Of America National Association
IDRSSD: 480228
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
85
/ 100
StrongAs of 2025-Q3QoQ 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-Q3
Bank #480228 2025-Q3 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (stable).
Liquidity:Strong
Securities:Stable
Capitalization:Stable
Asset Quality:Strong
Reserves:Strong
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q2 2025:
↑ 0 ptscomposite
- Liquidity↑ 0
- Securities↑ 0
- Capitalization↓ -2
- Asset Quality↑ +1
- Reserves↑ +2
The five pillars
Securities
StableQoQ 0
69
Sub-score
Securities profile is stable: securities 29.4% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 29.44%
SVB watch metric
No watch items at this period.
Capitalization
StableQoQ -2
79
Sub-score
Capital position is stable: Tier 1 RBC 13.03%, CET1 13.03%, leverage 7.37%.
- Tier 1 RBC
- 13.03%
- CET1
- 13.03%
- Leverage
- 7.37%
No watch items at this period.
Asset Quality
StrongQoQ +1
94
Sub-score
Asset quality is strong: Adjusted NPL 0.68%, Texas Ratio 3.7%, NCO YTD 0.47%.
- Adjusted NPL
- 0.68%
- Texas Ratio
- 3.7%
- NCO YTD
- 0.47%
- 30-89 PD
- 0.38%
- 90+ PD
- 0.18%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ +2
81
Sub-score
Reserves are strong: ALLL 1.14% of loans, coverage 168.7%, true coverage 109.2%.
- ALLL / Loans
- 1.14%
- Coverage
- 168.7%
- True Loss Coverage
- 109.2%
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 13:38:13 UTC