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Bankers Bank

IDRSSD: 408642
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
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
81
/ 100
StrongAs of 2025-Q4QoQ +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-Q4

Bank #408642 2025-Q4 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 135.4% (threshold 100%).

What changed this quarter

Compared to Q3 2025:
↑ +4 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ +22

The five pillars

Liquidity

WatchQoQ -1
47
Sub-score

Liquidity is deteriorating: brokered 25.8%, loans/deposits 135.4%, cash 3.1% of assets.

Cash / Assets
3.09%
Loans / Deposits
135.40%
Brokered %
25.77%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 135.4% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.91%
No watch items at this period.

Capitalization

StrongQoQ +3
100
Sub-score

Capital position is strong: Tier 1 RBC 15.68%, CET1 15.68%, leverage 14.03%.

Tier 1 RBC
15.68%
CET1
15.68%
Leverage
14.03%
No watch items at this period.

Asset Quality

StrongQoQ 0
88
Sub-score

Asset quality is strong: Adjusted NPL 1.42%, Texas Ratio 7.3%, NCO YTD 0.52%.

Adjusted NPL
1.42%
Govt-guarantees stripped
Texas Ratio
7.3%
NCO YTD
0.52%
30-89 PD
0.16%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +22
64
Sub-score

Reserves are stable: ALLL 1.28% of loans, coverage 91.2%, true coverage 91.2%.

ALLL / Loans
1.28%
Coverage
91.2%
True Loss Coverage
91.2%
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