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Barclays Bank Delaware

IDRSSD: 2980209
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
83
/ 100
StrongAs of 2025-Q1QoQ +1

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 #2980209 2025-Q1 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 4.04% of loans.
  2. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.71%.

What changed this quarter

Compared to Q4 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ 0
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +4
75
Sub-score

Liquidity is stable: brokered 27.4%, loans/deposits 82.9%, cash 22.1% of assets.

Cash / Assets
22.05%
Loans / Deposits
82.89%
Brokered %
27.41%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.35%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.07%, CET1 14.29%, leverage 12.41%.

Tier 1 RBC
16.07%
CET1
14.29%
Leverage
12.41%
No watch items at this period.

Asset Quality

WatchQoQ 0
51
Sub-score

Asset quality is deteriorating: Adjusted NPL 1.84%, Texas Ratio 6.8%, NCO YTD 4.04%.

Adjusted NPL
1.84%
Govt-guarantees stripped
Texas Ratio
6.8%
NCO YTD
4.04%
30-89 PD
1.41%
Band 0.3% / 3.0%
90+ PD
1.71%
Band 0.1% / 2.0%

Watch Items

  • watch90+ days past due elevated — 90+ PD 1.71%.
  • riskNet charge-offs elevated — NCO YTD 4.04% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 7.31% of loans, coverage 428.3%, true coverage 264.3%.

ALLL / Loans
7.31%
Coverage
428.3%
True Loss Coverage
264.3%
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 03:42:36 UTC