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Bank Of Holyrood

IDRSSD: 871358
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
77
/ 100
StableAs of 2025-Q2QoQ -14

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 #871358 2025-Q2 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.07% (govt-guarantees stripped).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.06% of loans.
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 49.3% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q1 2025:
↓ -14 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -30
  • Reserves
    ↓ -44

The five pillars

Liquidity

StableQoQ 0
76
Sub-score

Liquidity is stable: brokered 9.1%, loans/deposits 75.5%, cash 3.0% of assets.

Cash / Assets
3.03%
Loans / Deposits
75.53%
Brokered %
9.10%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 25.64%, CET1 25.64%, leverage 17.15%.

Tier 1 RBC
25.64%
CET1
25.64%
Leverage
17.15%
No watch items at this period.

Asset Quality

StableQoQ -30
61
Sub-score

Asset quality is stable: Adjusted NPL 3.07%, Texas Ratio 10.5%, NCO YTD 2.06%.

Adjusted NPL
3.07%
Govt-guarantees stripped
Texas Ratio
10.5%
NCO YTD
2.06%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.07% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 2.06% of loans.

Reserves

WatchQoQ -44
42
Sub-score

Reserves are deteriorating: ALLL 1.49% of loans, coverage 49.3%, true coverage 49.3%.

ALLL / Loans
1.49%
Coverage
49.3%
True Loss Coverage
49.3%

Watch Items

  • infoALLL / NPL below 50% — Coverage 49.3% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.3% (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 00:00:45 UTC