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Bank Of Springfield

IDRSSD: 248240
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
71
/ 100
StableAs of 2025-Q1QoQ +3

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 #248240 2025-Q1 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.9% (threshold 100%).

What changed this quarter

Compared to Q4 2024:
↑ +3 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +5
  • Reserves
    ↑ +4

The five pillars

Liquidity

StableQoQ 0
72
Sub-score

Liquidity is stable: brokered 2.1%, loans/deposits 101.9%, cash 5.2% of assets.

Cash / Assets
5.20%
Loans / Deposits
101.85%
Brokered %
2.06%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.9% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.11%
No watch items at this period.

Capitalization

WatchQoQ +3
56
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.33%, CET1 10.33%, leverage 8.98%.

Tier 1 RBC
10.33%
CET1
10.33%
Leverage
8.98%
No watch items at this period.

Asset Quality

StrongQoQ +5
89
Sub-score

Asset quality is strong: Adjusted NPL 1.61%, Texas Ratio 14.3%, NCO YTD 0.13%.

Adjusted NPL
1.61%
Govt-guarantees stripped
Texas Ratio
14.3%
NCO YTD
0.13%
30-89 PD
0.24%
Band 0.3% / 3.0%
90+ PD
0.12%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +4
36
Sub-score

Reserves are weak: ALLL 1.01% of loans, coverage 63.3%, true coverage 63.3%.

ALLL / Loans
1.01%
Coverage
63.3%
True Loss Coverage
63.3%
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 21:26:58 UTC