Visbanking Logo
Skip to main content

Bankesb

IDRSSD: 859002
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
77
/ 100
StableAs of 2025-Q4QoQ +2

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 #859002 2025-Q4 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 5.28% of loans.
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.94% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↑ +2 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↓ -5
  • Reserves
    ↑ +30

The five pillars

Liquidity

StableQoQ 0
73
Sub-score

Liquidity is stable: brokered 0.6%, loans/deposits 92.8%, cash 2.9% of assets.

Cash / Assets
2.94%
Loans / Deposits
92.80%
Brokered %
0.57%

Watch Items

  • infoCash / Assets below 3% — Cash 2.94% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.10%
No watch items at this period.

Capitalization

StableQoQ -6
72
Sub-score

Capital position is stable: Tier 1 RBC 11.53%, CET1 11.53%, leverage 9.57%.

Tier 1 RBC
11.53%
CET1
11.53%
Leverage
9.57%
No watch items at this period.

Asset Quality

StableQoQ -5
80
Sub-score

Asset quality is stable: Adjusted NPL 0.87%, Texas Ratio 6.7%, NCO YTD 5.28%.

Adjusted NPL
0.87%
Govt-guarantees stripped
Texas Ratio
6.7%
NCO YTD
5.28%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 5.28% of loans.

Reserves

StableQoQ +30
61
Sub-score

Reserves are stable: ALLL 0.94% of loans, coverage 109.3%, true coverage 103.2%.

ALLL / Loans
0.94%
Coverage
109.3%
True Loss Coverage
103.2%
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: 2026-05-14 19:29:41 UTC