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Bay Bank

IDRSSD: 2329200
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2025-Q3QoQ -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-Q3

Bank #2329200 2025-Q3 Vital Signs Score: 80/100 — 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
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.73% of loans.
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 49.5% (Adjusted NPL + Performing Mods denominator).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.43% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -10
  • Reserves
    ↑ +2

The five pillars

Liquidity

StrongQoQ +2
83
Sub-score

Liquidity is strong: brokered 25.0%, loans/deposits 48.5%, cash 11.9% of assets.

Cash / Assets
11.91%
Loans / Deposits
48.52%
Brokered %
25.02%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.92%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 22.18%, CET1 22.18%, leverage 10.75%.

Tier 1 RBC
22.18%
CET1
22.18%
Leverage
10.75%
No watch items at this period.

Asset Quality

StableQoQ -10
64
Sub-score

Asset quality is stable: Adjusted NPL 2.43%, Texas Ratio 8.8%, NCO YTD 1.73%.

Adjusted NPL
2.43%
Govt-guarantees stripped
Texas Ratio
8.8%
NCO YTD
1.73%
30-89 PD
1.21%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.43% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 1.73% of loans.

Reserves

WatchQoQ +2
48
Sub-score

Reserves are deteriorating: ALLL 1.77% of loans, coverage 74.1%, true coverage 49.5%.

ALLL / Loans
1.77%
Coverage
74.1%
True Loss Coverage
49.5%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.5% (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: 2026-05-13 11:44:19 UTC