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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-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2025-Q2QoQ +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-Q2

Bank #76153 2025-Q2 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.22% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↑ +16 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↑ +40
  • Reserves
    ↑ +30

The five pillars

Liquidity

StableQoQ +9
71
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 93.1%, cash 2.2% of assets.

Cash / Assets
2.22%
Loans / Deposits
93.07%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.22% 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
8.88%
No watch items at this period.

Capitalization

WatchQoQ -3
51
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.90%, CET1 9.90%, leverage 8.48%.

Tier 1 RBC
9.90%
CET1
9.90%
Leverage
8.48%
No watch items at this period.

Asset Quality

StrongQoQ +40
88
Sub-score

Asset quality is strong: Adjusted NPL 1.53%, Texas Ratio 12.7%, NCO YTD -0.02%.

Adjusted NPL
1.53%
Govt-guarantees stripped
Texas Ratio
12.7%
NCO YTD
-0.02%
30-89 PD
0.56%
Band 0.3% / 3.0%
90+ PD
0.18%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +30
66
Sub-score

Reserves are stable: ALLL 1.35% of loans, coverage 89.7%, true coverage 89.7%.

ALLL / Loans
1.35%
Coverage
89.7%
True Loss Coverage
89.7%
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 16:33:59 UTC