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Bank Of Bridger National Association

IDRSSD: 17950
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
91
/ 100
StrongAs 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 #17950 2025-Q3 Vital Signs Score: 91/100 — 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 1.27% of assets (threshold 3%).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.01% of loans.

What changed this quarter

Compared to Q2 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -6
  • Reserves
    ↑ +3

The five pillars

Liquidity

StrongQoQ -2
81
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 50.7%, cash 1.3% of assets.

Cash / Assets
1.27%
Loans / Deposits
50.71%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.27% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.86%
No watch items at this period.

Capitalization

StrongQoQ 0
98
Sub-score

Capital position is strong: Tier 1 RBC 19.35%, CET1 19.35%, leverage 9.58%.

Tier 1 RBC
19.35%
CET1
19.35%
Leverage
9.58%
No watch items at this period.

Asset Quality

StrongQoQ -6
88
Sub-score

Asset quality is strong: Adjusted NPL 0.87%, Texas Ratio 3.8%, NCO YTD 1.01%.

Adjusted NPL
0.87%
Govt-guarantees stripped
Texas Ratio
3.8%
NCO YTD
1.01%
30-89 PD
0.05%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.01% of loans.

Reserves

StrongQoQ +3
91
Sub-score

Reserves are strong: ALLL 1.44% of loans, coverage 167.2%, true coverage 153.5%.

ALLL / Loans
1.44%
Coverage
167.2%
True Loss Coverage
153.5%
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