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IDRSSD: 464853
Total Assets
—
Latest filing
Total Deposits
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Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2025-Q4QoQ +1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q4

Bank #464853 2025-Q4 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / NPL below 50%
    Reserves — Coverage 26.9% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 26.9% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.14% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↑ +1 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↑ +7
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ -3
69
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 92.6%, cash 1.0% of assets.

Cash / Assets
1.03%
Loans / Deposits
92.59%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.03% 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 0
95
Sub-score

Capital position is strong: Tier 1 RBC 15.31%, CET1 15.31%, leverage 8.86%.

Tier 1 RBC
15.31%
CET1
15.31%
Leverage
8.86%
No watch items at this period.

Asset Quality

WatchQoQ +7
55
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.14%, Texas Ratio 34.3%, NCO YTD -0.02%.

Adjusted NPL
4.14%
Govt-guarantees stripped
Texas Ratio
34.3%
NCO YTD
-0.02%
30-89 PD
1.97%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.14% (govt-guarantees stripped).

Reserves

RiskQoQ -2
20
Sub-score

Reserves are weak: ALLL 1.10% of loans, coverage 26.9%, true coverage 26.9%.

ALLL / Loans
1.10%
Coverage
26.9%
True Loss Coverage
26.9%

Watch Items

  • watchALLL / NPL below 50% — Coverage 26.9% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 26.9% (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