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Bank Of Clarks

IDRSSD: 76153
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
58
/ 100
WatchAs of 2025-Q1QoQ -16

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 #76153 2025-Q1 Vital Signs Score: 58/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.24% (govt-guarantees stripped).
  2. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.82%.
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 43.0% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2024:
↓ -16 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -42
  • Reserves
    ↓ -35

The five pillars

Liquidity

StableQoQ -1
62
Sub-score

Liquidity is stable: brokered 12.7%, loans/deposits 96.8%, cash 2.7% of assets.

Cash / Assets
2.69%
Loans / Deposits
96.83%
Brokered %
12.72%

Watch Items

  • infoCash / Assets below 3% — Cash 2.69% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 12.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
12.50%
No watch items at this period.

Capitalization

WatchQoQ 0
54
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.19%, CET1 10.19%, leverage 8.43%.

Tier 1 RBC
10.19%
CET1
10.19%
Leverage
8.43%
No watch items at this period.

Asset Quality

WatchQoQ -42
48
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.24%, Texas Ratio 26.1%, NCO YTD -0.02%.

Adjusted NPL
3.24%
Govt-guarantees stripped
Texas Ratio
26.1%
NCO YTD
-0.02%
30-89 PD
2.09%
Band 0.3% / 3.0%
90+ PD
1.82%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.24% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.82%.

Reserves

RiskQoQ -35
35
Sub-score

Reserves are weak: ALLL 1.37% of loans, coverage 43.0%, true coverage 43.0%.

ALLL / Loans
1.37%
Coverage
43.0%
True Loss Coverage
43.0%

Watch Items

  • infoALLL / NPL below 50% — Coverage 43.0% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 43.0% (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: 2026-05-12 16:33:59 UTC