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Banknewport

IDRSSD: 546003
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2026-Q1QoQ -2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2026-Q1

Bank #546003 2026-Q1 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.36% of assets (threshold 3%).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.5% (threshold 100%).

What changed this quarter

Compared to Q4 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↑ +6
  • Reserves
    ↓ -7

The five pillars

Liquidity

StableQoQ -8
62
Sub-score

Liquidity is stable: brokered 5.1%, loans/deposits 100.5%, cash 1.4% of assets.

Cash / Assets
1.36%
Loans / Deposits
100.48%
Brokered %
5.06%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.5% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.36% 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

StrongQoQ -5
86
Sub-score

Capital position is strong: Tier 1 RBC 12.76%, CET1 12.76%, leverage 10.82%.

Tier 1 RBC
12.76%
CET1
12.76%
Leverage
10.82%
No watch items at this period.

Asset Quality

StrongQoQ +6
98
Sub-score

Asset quality is strong: Adjusted NPL 0.75%, Texas Ratio 5.3%, NCO YTD 0.02%.

Adjusted NPL
0.75%
Govt-guarantees stripped
Texas Ratio
5.3%
NCO YTD
0.02%
30-89 PD
0.19%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -7
59
Sub-score

Reserves are deteriorating: ALLL 0.85% of loans, coverage 114.9%, true coverage 114.9%.

ALLL / Loans
0.85%
Coverage
114.9%
True Loss Coverage
114.9%
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: 2026-05-12 20:07:40 UTC