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Bank Of Utica

IDRSSD: 254317
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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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
52
/ 100
WatchAs of 2025-Q3QoQ -4

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 #254317 2025-Q3 Vital Signs Score: 52/100 — overall watch. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 43.6% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 43.6% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2025:
↓ -4 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -19

The five pillars

Liquidity

StrongQoQ -1
87
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 12.7%, cash 4.3% of assets.

Cash / Assets
4.27%
Loans / Deposits
12.69%
Brokered %
0.00%
No watch items at this period.

Securities

Risk
0
Sub-score

Securities profile is weak: securities 71.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
71.53%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 24.87%.

Tier 1 RBC
—
CET1
0.00%
Leverage
24.87%

Watch Items

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

Asset Quality

StableQoQ -2
77
Sub-score

Asset quality is stable: Adjusted NPL 1.89%, Texas Ratio 0.7%, NCO YTD 0.17%.

Adjusted NPL
1.89%
Govt-guarantees stripped
Texas Ratio
0.7%
NCO YTD
0.17%
30-89 PD
0.42%
Band 0.3% / 3.0%
90+ PD
1.16%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.16%.

Reserves

RiskQoQ -19
17
Sub-score

Reserves are weak: ALLL 0.82% of loans, coverage 43.6%, true coverage 43.6%.

ALLL / Loans
0.82%
Coverage
43.6%
True Loss Coverage
43.6%

Watch Items

  • infoALLL / NPL below 50% — Coverage 43.6% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 43.6% (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: 2026-05-14 14:57:23 UTC