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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
58
/ 100
WatchAs of 2025-Q3QoQ +8

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 #286251 2025-Q3 Vital Signs Score: 58/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.14% (govt-guarantees stripped).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 43.8% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q2 2025:
↑ +8 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +28
  • Reserves
    ↑ +2

The five pillars

Liquidity

StrongQoQ +3
87
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 52.9%, cash 4.0% of assets.

Cash / Assets
4.02%
Loans / Deposits
52.92%
Brokered %
0.00%
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

RiskQoQ -1
37
Sub-score

Capital position is weak: CET1 0.00%, leverage 8.48%.

Tier 1 RBC
—
CET1
0.00%
Leverage
8.48%

Watch Items

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

Asset Quality

WatchQoQ +28
42
Sub-score

Asset quality is deteriorating: Adjusted NPL 5.14%, Texas Ratio 24.8%, NCO YTD -0.20%.

Adjusted NPL
5.14%
Govt-guarantees stripped
Texas Ratio
24.8%
NCO YTD
-0.20%
30-89 PD
3.56%
Band 0.3% / 3.0%
90+ PD
0.69%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.14% (govt-guarantees stripped).

Reserves

RiskQoQ +2
40
Sub-score

Reserves are weak: ALLL 2.20% of loans, coverage 43.8%, true coverage 43.8%.

ALLL / Loans
2.20%
Coverage
43.8%
True Loss Coverage
43.8%

Watch Items

  • infoALLL / NPL below 50% — Coverage 43.8% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 43.8% (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