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Bay Bank

IDRSSD: 2329200
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
84
/ 100
StrongAs of 2026-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

2026-Q1

Bank #2329200 2026-Q1 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.44% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ +2
84
Sub-score

Liquidity is strong: brokered 23.8%, loans/deposits 49.6%, cash 11.9% of assets.

Cash / Assets
11.90%
Loans / Deposits
49.59%
Brokered %
23.80%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.74%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 22.53%, CET1 22.53%, leverage 11.10%.

Tier 1 RBC
22.53%
CET1
22.53%
Leverage
11.10%
No watch items at this period.

Asset Quality

StableQoQ -4
79
Sub-score

Asset quality is stable: Adjusted NPL 2.44%, Texas Ratio 8.5%, NCO YTD 0.06%.

Adjusted NPL
2.44%
Govt-guarantees stripped
Texas Ratio
8.5%
NCO YTD
0.06%
30-89 PD
1.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.44% (govt-guarantees stripped).

Reserves

WatchQoQ -1
52
Sub-score

Reserves are deteriorating: ALLL 1.89% of loans, coverage 79.1%, true coverage 55.9%.

ALLL / Loans
1.89%
Coverage
79.1%
True Loss Coverage
55.9%
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: 2026-05-13 11:44:19 UTC