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Blue Sky Bank

IDRSSD: 517357
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
68
/ 100
StableAs of 2025-Q1QoQ -8

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 #517357 2025-Q1 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.31% of loans.

What changed this quarter

Compared to Q4 2024:
↓ -8 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -13
  • Reserves
    ↓ -26

The five pillars

Liquidity

StableQoQ -2
67
Sub-score

Liquidity is stable: brokered 12.7%, loans/deposits 94.2%, cash 4.4% of assets.

Cash / Assets
4.40%
Loans / Deposits
94.23%
Brokered %
12.72%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.03%
No watch items at this period.

Capitalization

WatchQoQ -2
41
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 8.93%.

Tier 1 RBC
—
CET1
0.00%
Leverage
8.93%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ -13
82
Sub-score

Asset quality is strong: Adjusted NPL 1.37%, Texas Ratio 11.4%, NCO YTD 1.31%.

Adjusted NPL
1.37%
Govt-guarantees stripped
Texas Ratio
11.4%
NCO YTD
1.31%
30-89 PD
0.14%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.31% of loans.

Reserves

StableQoQ -26
61
Sub-score

Reserves are stable: ALLL 1.33% of loans, coverage 98.4%, true coverage 77.3%.

ALLL / Loans
1.33%
Coverage
98.4%
True Loss Coverage
77.3%
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 20:00:20 UTC