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Bank Of Maple Plain

IDRSSD: 989851
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 +12

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 #989851 2025-Q4 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.94% of loans.
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.40% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↑ +12 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +50
  • Asset Quality
    ↓ -22
  • Reserves
    ↑ +32

The five pillars

Liquidity

StrongQoQ -1
81
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 54.9%, cash 1.4% of assets.

Cash / Assets
1.40%
Loans / Deposits
54.85%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.40% of assets (threshold 3%).

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

StrongQoQ +50
100
Sub-score

Capital position is strong: Tier 1 RBC 28.57%, CET1 28.57%, leverage 13.55%.

Tier 1 RBC
28.57%
CET1
28.57%
Leverage
13.55%
No watch items at this period.

Asset Quality

StableQoQ -22
66
Sub-score

Asset quality is stable: Adjusted NPL 0.57%, Texas Ratio 1.9%, NCO YTD 2.94%.

Adjusted NPL
0.57%
Govt-guarantees stripped
Texas Ratio
1.9%
NCO YTD
2.94%
30-89 PD
3.04%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 2.94% of loans.

Reserves

StrongQoQ +32
96
Sub-score

Reserves are strong: ALLL 1.39% of loans, coverage 248.7%, true coverage 248.7%.

ALLL / Loans
1.39%
Coverage
248.7%
True Loss Coverage
248.7%
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: 2026-05-14 23:16:31 UTC