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Bank Of Coushatta

IDRSSD: 926959
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2025-Q4QoQ +18

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q4

Bank #926959 2025-Q4 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.84% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↑ +18 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +40
  • Reserves
    ↑ +55

The five pillars

Liquidity

StableQoQ -1
78
Sub-score

Liquidity is stable: brokered 2.6%, loans/deposits 55.9%, cash 0.8% of assets.

Cash / Assets
0.84%
Loans / Deposits
55.94%
Brokered %
2.59%

Watch Items

  • riskCash / Assets below 3% — Cash 0.84% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.86%
No watch items at this period.

Capitalization

StrongQoQ +1
96
Sub-score

Capital position is strong: Tier 1 RBC 14.28%, CET1 14.28%, leverage 9.55%.

Tier 1 RBC
14.28%
CET1
14.28%
Leverage
9.55%
No watch items at this period.

Asset Quality

StableQoQ +40
78
Sub-score

Asset quality is stable: Adjusted NPL 1.09%, Texas Ratio 4.7%, NCO YTD -0.03%.

Adjusted NPL
1.09%
Govt-guarantees stripped
Texas Ratio
4.7%
NCO YTD
-0.03%
30-89 PD
5.81%
Band 0.3% / 3.0%
90+ PD
0.06%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +55
85
Sub-score

Reserves are strong: ALLL 1.47% of loans, coverage 137.6%, true coverage 130.1%.

ALLL / Loans
1.47%
Coverage
137.6%
True Loss Coverage
130.1%
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: 2026-05-14 16:40:31 UTC