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Bankfinancial National Association

IDRSSD: 454676
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2025-Q1QoQ +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-Q1

Bank #454676 2025-Q1 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 44.3% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 44.3% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2024:
↑ +3 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    ↓ -13
  • Capitalization
    — —
  • Asset Quality
    ↑ +17
  • Reserves
    ↑ 0

The five pillars

Liquidity

StrongQoQ +6
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 67.6%, cash 12.0% of assets.

Cash / Assets
11.95%
Loans / Deposits
67.63%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ -13
87
Sub-score

Securities profile is strong: securities 23.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
23.92%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 11.37%.

Tier 1 RBC
—
CET1
0.00%
Leverage
11.37%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ +17
86
Sub-score

Asset quality is strong: Adjusted NPL 1.95%, Texas Ratio 9.7%, NCO YTD 0.01%.

Adjusted NPL
1.95%
Govt-guarantees stripped
Texas Ratio
9.7%
NCO YTD
0.01%
30-89 PD
0.47%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ 0
19
Sub-score

Reserves are weak: ALLL 0.86% of loans, coverage 44.3%, true coverage 44.3%.

ALLL / Loans
0.86%
Coverage
44.3%
True Loss Coverage
44.3%

Watch Items

  • infoALLL / NPL below 50% — Coverage 44.3% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 44.3% (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: 2026-05-15 05:57:20 UTC