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Bank Of Cave City

IDRSSD: 629148
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
72
/ 100
StableAs 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 #629148 2025-Q3 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 29.7% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 30.7% (regulatory soft-warning level 50%).
  3. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.05% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -4

The five pillars

Liquidity

StableQoQ 0
77
Sub-score

Liquidity is stable: brokered 0.9%, loans/deposits 75.1%, cash 1.0% of assets.

Cash / Assets
1.05%
Loans / Deposits
75.10%
Brokered %
0.88%

Watch Items

  • watchCash / Assets below 3% — Cash 1.05% 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 0
93
Sub-score

Capital position is strong: Tier 1 RBC 21.49%, CET1 21.49%, leverage 8.37%.

Tier 1 RBC
21.49%
CET1
21.49%
Leverage
8.37%
No watch items at this period.

Asset Quality

StableQoQ 0
70
Sub-score

Asset quality is stable: Adjusted NPL 2.15%, Texas Ratio 16.2%, NCO YTD 0.01%.

Adjusted NPL
2.15%
Govt-guarantees stripped
Texas Ratio
16.2%
NCO YTD
0.01%
30-89 PD
1.36%
Band 0.3% / 3.0%
90+ PD
1.08%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.15% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.08%.

Reserves

RiskQoQ -4
5
Sub-score

Reserves are weak: ALLL 0.65% of loans, coverage 30.7%, true coverage 29.7%.

ALLL / Loans
0.65%
Coverage
30.7%
True Loss Coverage
29.7%

Watch Items

  • watchALLL / NPL below 50% — Coverage 30.7% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 29.7% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.65% of loans.

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 01:19:15 UTC