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Bank Of Anguilla

IDRSSD: 31835
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
59
/ 100
WatchAs of 2025-Q2QoQ -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-Q2

Bank #31835 2025-Q2 Vital Signs Score: 59/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.33% (govt-guarantees stripped).
  3. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 3.15%.

What changed this quarter

Compared to Q1 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -3

The five pillars

Liquidity

StrongQoQ +4
97
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 63.6%, cash 8.4% of assets.

Cash / Assets
8.43%
Loans / Deposits
63.59%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.66%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 14.33%.

Tier 1 RBC
—
CET1
0.00%
Leverage
14.33%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

RiskQoQ -6
26
Sub-score

Asset quality is weak: Adjusted NPL 5.33%, Texas Ratio 17.6%, NCO YTD 0.75%.

Adjusted NPL
5.33%
Govt-guarantees stripped
Texas Ratio
17.6%
NCO YTD
0.75%
30-89 PD
3.65%
Band 0.3% / 3.0%
90+ PD
3.15%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.33% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 3.15%.

Reserves

RiskQoQ -3
39
Sub-score

Reserves are weak: ALLL 2.22% of loans, coverage 42.6%, true coverage 42.6%.

ALLL / Loans
2.22%
Coverage
42.6%
True Loss Coverage
42.6%

Watch Items

  • infoALLL / NPL below 50% — Coverage 42.6% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 42.6% (Adjusted NPL + Performing Mods denominator).

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 15:08:13 UTC