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IDRSSD: 859002
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-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2025-Q2QoQ -3

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 #859002 2025-Q2 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.77% of assets (threshold 3%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 46.4% (Adjusted NPL + Performing Mods denominator).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 47.8% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q1 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -4

The five pillars

Liquidity

StableQoQ -7
68
Sub-score

Liquidity is stable: brokered 1.1%, loans/deposits 96.2%, cash 1.8% of assets.

Cash / Assets
1.77%
Loans / Deposits
96.18%
Brokered %
1.14%

Watch Items

  • watchCash / Assets below 3% — Cash 1.77% 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

StableQoQ -1
72
Sub-score

Capital position is stable: Tier 1 RBC 11.48%, CET1 11.48%, leverage 9.83%.

Tier 1 RBC
11.48%
CET1
11.48%
Leverage
9.83%
No watch items at this period.

Asset Quality

StableQoQ -2
80
Sub-score

Asset quality is stable: Adjusted NPL 2.12%, Texas Ratio 16.5%, NCO YTD 0.70%.

Adjusted NPL
2.12%
Govt-guarantees stripped
Texas Ratio
16.5%
NCO YTD
0.70%
30-89 PD
0.06%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.12% (govt-guarantees stripped).

Reserves

RiskQoQ -4
25
Sub-score

Reserves are weak: ALLL 1.00% of loans, coverage 47.8%, true coverage 46.4%.

ALLL / Loans
1.00%
Coverage
47.8%
True Loss Coverage
46.4%

Watch Items

  • infoALLL / NPL below 50% — Coverage 47.8% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 46.4% (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 19:29:41 UTC