Visbanking Logo
Skip to main content

Bank Of Crocker

IDRSSD: 765354
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
86
/ 100
StrongAs 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 #765354 2025-Q3 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.58% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ +2

The five pillars

Liquidity

StrongQoQ -1
97
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 37.6%, cash 8.6% of assets.

Cash / Assets
8.57%
Loans / Deposits
37.60%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.66%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 29.16%, CET1 29.16%, leverage 12.31%.

Tier 1 RBC
29.16%
CET1
29.16%
Leverage
12.31%
No watch items at this period.

Asset Quality

StableQoQ -3
79
Sub-score

Asset quality is stable: Adjusted NPL 2.58%, Texas Ratio 6.7%, NCO YTD 0.02%.

Adjusted NPL
2.58%
Govt-guarantees stripped
Texas Ratio
6.7%
NCO YTD
0.02%
30-89 PD
0.86%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.58% (govt-guarantees stripped).

Reserves

WatchQoQ +2
46
Sub-score

Reserves are deteriorating: ALLL 1.45% of loans, coverage 56.8%, true coverage 56.8%.

ALLL / Loans
1.45%
Coverage
56.8%
True Loss Coverage
56.8%
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 21:24:11 UTC