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Bank Of Denton

IDRSSD: 823553
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
51
/ 100
WatchAs of 2025-Q1QoQ -17

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 #823553 2025-Q1 Vital Signs Score: 51/100 — overall watch. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 3.22%.
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 28.9% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2024:
↓ -17 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    ↑ +2
  • Capitalization
    — —
  • Asset Quality
    ↓ -38
  • Reserves
    ↓ -50

The five pillars

Liquidity

StrongQoQ -1
92
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 62.6%, cash 6.2% of assets.

Cash / Assets
6.20%
Loans / Deposits
62.63%
Brokered %
0.00%
No watch items at this period.

Securities

WatchQoQ +2
46
Sub-score

Securities profile is deteriorating: securities 36.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
36.15%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 17.24%.

Tier 1 RBC
—
CET1
0.00%
Leverage
17.24%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

WatchQoQ -38
42
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.97%, Texas Ratio 11.4%, NCO YTD 0.07%.

Adjusted NPL
3.97%
Govt-guarantees stripped
Texas Ratio
11.4%
NCO YTD
0.07%
30-89 PD
2.29%
Band 0.3% / 3.0%
90+ PD
3.22%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.97% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 3.22%.

Reserves

RiskQoQ -50
21
Sub-score

Reserves are weak: ALLL 1.13% of loans, coverage 28.9%, true coverage 28.9%.

ALLL / Loans
1.13%
Coverage
28.9%
True Loss Coverage
28.9%

Watch Items

  • watchALLL / NPL below 50% — Coverage 28.9% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 28.9% (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: 2026-05-15 08:28:33 UTC