Visbanking Logo
Skip to main content

Bank Of Bridger National Association

IDRSSD: 17950
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
93
/ 100
StrongAs of 2025-Q1QoQ -2

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 #17950 2025-Q1 Vital Signs Score: 93/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (strong).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.67% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -5

The five pillars

Liquidity

StrongQoQ -3
81
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 48.6%, cash 1.7% of assets.

Cash / Assets
1.67%
Loans / Deposits
48.63%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.67% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.78%
No watch items at this period.

Capitalization

StrongQoQ 0
99
Sub-score

Capital position is strong: Tier 1 RBC 19.46%, CET1 19.46%, leverage 9.67%.

Tier 1 RBC
19.46%
CET1
19.46%
Leverage
9.67%
No watch items at this period.

Asset Quality

StrongQoQ -1
94
Sub-score

Asset quality is strong: Adjusted NPL 1.14%, Texas Ratio 4.7%, NCO YTD 0.12%.

Adjusted NPL
1.14%
Govt-guarantees stripped
Texas Ratio
4.7%
NCO YTD
0.12%
30-89 PD
0.17%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -5
89
Sub-score

Reserves are strong: ALLL 1.68% of loans, coverage 149.4%, true coverage 149.4%.

ALLL / Loans
1.68%
Coverage
149.4%
True Loss Coverage
149.4%
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: 2026-05-13 00:09:28 UTC