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Bankers Bank

IDRSSD: 408642
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
75
/ 100
StableAs of 2025-Q2QoQ -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-Q2

Bank #408642 2025-Q2 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 124.0% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.75% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↓ -4 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -5

The five pillars

Liquidity

WatchQoQ -7
47
Sub-score

Liquidity is deteriorating: brokered 25.0%, loans/deposits 124.0%, cash 2.7% of assets.

Cash / Assets
2.75%
Loans / Deposits
123.96%
Brokered %
24.99%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 124.0% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.75% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.86%
No watch items at this period.

Capitalization

StrongQoQ -1
95
Sub-score

Capital position is strong: Tier 1 RBC 13.82%, CET1 13.82%, leverage 12.63%.

Tier 1 RBC
13.82%
CET1
13.82%
Leverage
12.63%
No watch items at this period.

Asset Quality

StrongQoQ -4
86
Sub-score

Asset quality is strong: Adjusted NPL 1.51%, Texas Ratio 8.8%, NCO YTD 0.75%.

Adjusted NPL
1.51%
Govt-guarantees stripped
Texas Ratio
8.8%
NCO YTD
0.75%
30-89 PD
0.25%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -5
38
Sub-score

Reserves are weak: ALLL 1.00% of loans, coverage 67.4%, true coverage 65.9%.

ALLL / Loans
1.00%
Coverage
67.4%
True Loss Coverage
65.9%
No watch items at this period.

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: 2026-05-13 01:40:50 UTC