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Bank Of Vici

IDRSSD: 286251
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
51
/ 100
WatchAs of 2025-Q2QoQ -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-Q2

Bank #286251 2025-Q2 Vital Signs Score: 51/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 5.80% of loans.
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.33% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -12
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ +5

The five pillars

Liquidity

StrongQoQ -1
83
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 50.2%, cash 2.5% of assets.

Cash / Assets
2.50%
Loans / Deposits
50.20%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.50% 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

RiskQoQ -12
38
Sub-score

Capital position is weak: CET1 0.00%, leverage 8.58%.

Tier 1 RBC
—
CET1
0.00%
Leverage
8.58%

Watch Items

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

Asset Quality

RiskQoQ -2
14
Sub-score

Asset quality is weak: Adjusted NPL 5.33%, Texas Ratio 24.8%, NCO YTD 5.80%.

Adjusted NPL
5.33%
Govt-guarantees stripped
Texas Ratio
24.8%
NCO YTD
5.80%
30-89 PD
2.94%
Band 0.3% / 3.0%
90+ PD
2.31%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.33% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.31%.
  • riskNet charge-offs elevated — NCO YTD 5.80% of loans.

Reserves

RiskQoQ +5
38
Sub-score

Reserves are weak: ALLL 2.11% of loans, coverage 40.5%, true coverage 40.5%.

ALLL / Loans
2.11%
Coverage
40.5%
True Loss Coverage
40.5%

Watch Items

  • infoALLL / NPL below 50% — Coverage 40.5% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 40.5% (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 03:54:24 UTC