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Bankesb

IDRSSD: 859002
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q3QoQ +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-Q3

Bank #859002 2025-Q3 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.17% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↑ +4 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↑ +5
  • Reserves
    ↑ +6

The five pillars

Liquidity

StableQoQ +4
72
Sub-score

Liquidity is stable: brokered 0.6%, loans/deposits 94.8%, cash 3.2% of assets.

Cash / Assets
3.20%
Loans / Deposits
94.77%
Brokered %
0.58%
No watch items at this period.

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 +5
78
Sub-score

Capital position is stable: Tier 1 RBC 11.88%, CET1 11.88%, leverage 10.02%.

Tier 1 RBC
11.88%
CET1
11.88%
Leverage
10.02%
No watch items at this period.

Asset Quality

StrongQoQ +5
85
Sub-score

Asset quality is strong: Adjusted NPL 2.17%, Texas Ratio 16.1%, NCO YTD 0.00%.

Adjusted NPL
2.17%
Govt-guarantees stripped
Texas Ratio
16.1%
NCO YTD
0.00%
30-89 PD
0.03%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.17% (govt-guarantees stripped).

Reserves

RiskQoQ +6
31
Sub-score

Reserves are weak: ALLL 1.12% of loans, coverage 52.1%, true coverage 50.5%.

ALLL / Loans
1.12%
Coverage
52.1%
True Loss Coverage
50.5%
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: 2026-05-14 19:29:41 UTC