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Bank Of Cadiz And Trust Company

IDRSSD: 904845
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
93
/ 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 #904845 2025-Q3 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. info
    Cash / Assets below 3%
    Liquidity — Cash 2.91% of assets (threshold 3%).

What changed this quarter

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

The five pillars

Liquidity

StrongQoQ +1
84
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 54.5%, cash 2.9% of assets.

Cash / Assets
2.91%
Loans / Deposits
54.51%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.91% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ +1
96
Sub-score

Capital position is strong: Tier 1 RBC 16.93%, CET1 16.93%, leverage 9.10%.

Tier 1 RBC
16.93%
CET1
16.93%
Leverage
9.10%
No watch items at this period.

Asset Quality

StrongQoQ +2
96
Sub-score

Asset quality is strong: Adjusted NPL 0.49%, Texas Ratio 2.5%, NCO YTD -0.01%.

Adjusted NPL
0.49%
Govt-guarantees stripped
Texas Ratio
2.5%
NCO YTD
-0.01%
30-89 PD
0.14%
Band 0.3% / 3.0%
90+ PD
0.49%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -2
88
Sub-score

Reserves are strong: ALLL 1.13% of loans, coverage 234.9%, true coverage 234.9%.

ALLL / Loans
1.13%
Coverage
234.9%
True Loss Coverage
234.9%
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: 2026-05-12 21:56:02 UTC