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IDRSSD: 464853
Total Assets
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Latest filing
Total Deposits
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Latest filing
Net Interest Margin
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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
64
/ 100
StableAs of 2025-Q1QoQ -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-Q1

Bank #464853 2025-Q1 Vital Signs Score: 64/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 4.23%.
  2. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.97% of assets (threshold 3%).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 26.8% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2024:
↓ -8 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -29
  • Reserves
    ↓ -8

The five pillars

Liquidity

StableQoQ +2
64
Sub-score

Liquidity is stable: brokered 12.6%, loans/deposits 85.4%, cash 1.0% of assets.

Cash / Assets
0.97%
Loans / Deposits
85.40%
Brokered %
12.55%

Watch Items

  • riskCash / Assets below 3% — Cash 0.97% 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 +1
94
Sub-score

Capital position is strong: Tier 1 RBC 17.10%, CET1 17.10%, leverage 8.56%.

Tier 1 RBC
17.10%
CET1
17.10%
Leverage
8.56%
No watch items at this period.

Asset Quality

RiskQoQ -29
38
Sub-score

Asset quality is weak: Adjusted NPL 4.23%, Texas Ratio 33.7%, NCO YTD -0.02%.

Adjusted NPL
4.23%
Govt-guarantees stripped
Texas Ratio
33.7%
NCO YTD
-0.02%
30-89 PD
2.07%
Band 0.3% / 3.0%
90+ PD
4.23%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.23% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 4.23%.

Reserves

RiskQoQ -8
21
Sub-score

Reserves are weak: ALLL 1.12% of loans, coverage 26.8%, true coverage 26.8%.

ALLL / Loans
1.12%
Coverage
26.8%
True Loss Coverage
26.8%

Watch Items

  • watchALLL / NPL below 50% — Coverage 26.8% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 26.8% (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: 2026-05-15 01:13:24 UTC