Visbanking Logo
Skip to main content

Bay Bank

IDRSSD: 2329200
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
79
/ 100
StableAs of 2025-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

2025-Q1

Bank #2329200 2025-Q1 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.23% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -8

The five pillars

Liquidity

StrongQoQ -3
82
Sub-score

Liquidity is strong: brokered 26.3%, loans/deposits 43.2%, cash 18.1% of assets.

Cash / Assets
18.07%
Loans / Deposits
43.22%
Brokered %
26.28%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.14%
No watch items at this period.

Capitalization

StrongQoQ 0
100
Sub-score

Capital position is strong: Tier 1 RBC 21.63%, CET1 21.63%, leverage 10.10%.

Tier 1 RBC
21.63%
CET1
21.63%
Leverage
10.10%
No watch items at this period.

Asset Quality

StableQoQ -2
64
Sub-score

Asset quality is stable: Adjusted NPL 3.23%, Texas Ratio 11.5%, NCO YTD 0.07%.

Adjusted NPL
3.23%
Govt-guarantees stripped
Texas Ratio
11.5%
NCO YTD
0.07%
30-89 PD
2.35%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.23% (govt-guarantees stripped).

Reserves

WatchQoQ -8
46
Sub-score

Reserves are deteriorating: ALLL 1.73% of loans, coverage 54.5%, true coverage 54.5%.

ALLL / Loans
1.73%
Coverage
54.5%
True Loss Coverage
54.5%
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: 2026-05-13 11:44:19 UTC