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Bath State Bank

IDRSSD: 308340
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
81
/ 100
StrongAs of 2026-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

2026-Q1

Bank #308340 2026-Q1 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.11% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↑ +3 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    ↑ +6
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ +5
69
Sub-score

Liquidity is stable: brokered 5.5%, loans/deposits 88.7%, cash 2.1% of assets.

Cash / Assets
2.11%
Loans / Deposits
88.74%
Brokered %
5.49%

Watch Items

  • infoCash / Assets below 3% — Cash 2.11% 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

StableQoQ +6
66
Sub-score

Capital position is stable: Tier 1 RBC 11.39%, CET1 11.39%, leverage 8.43%.

Tier 1 RBC
11.39%
CET1
11.39%
Leverage
8.43%
No watch items at this period.

Asset Quality

StrongQoQ +3
98
Sub-score

Asset quality is strong: Adjusted NPL 0.55%, Texas Ratio 4.4%, NCO YTD 0.01%.

Adjusted NPL
0.55%
Govt-guarantees stripped
Texas Ratio
4.4%
NCO YTD
0.01%
30-89 PD
0.46%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +1
77
Sub-score

Reserves are stable: ALLL 0.96% of loans, coverage 177.0%, true coverage 177.0%.

ALLL / Loans
0.96%
Coverage
177.0%
True Loss Coverage
177.0%
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 14:48:37 UTC