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Bmw Bank Of North America

IDRSSD: 2850722
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2025-Q2QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q2

Bank #2850722 2025-Q2 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 79.7% of deposits (threshold 30%).
  2. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 117.6% (threshold 100%).
  3. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.40% of loans.

What changed this quarter

Compared to Q1 2025:
↑ 0 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +2
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ 0
48
Sub-score

Liquidity is deteriorating: brokered 79.7%, loans/deposits 117.6%, cash 4.7% of assets.

Cash / Assets
4.67%
Loans / Deposits
117.57%
Brokered %
79.67%

Watch Items

  • riskBrokered deposits above 30% — Brokered 79.7% of deposits (threshold 30%).
  • riskLoans / Deposits above 100% — Loans/Deposits 117.6% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 15.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
15.78%
No watch items at this period.

Capitalization

StrongQoQ -1
99
Sub-score

Capital position is strong: Tier 1 RBC 15.25%, CET1 15.25%, leverage 14.07%.

Tier 1 RBC
15.25%
CET1
15.25%
Leverage
14.07%
No watch items at this period.

Asset Quality

StrongQoQ +2
96
Sub-score

Asset quality is strong: Adjusted NPL 0.09%, Texas Ratio 0.5%, NCO YTD 0.22%.

Adjusted NPL
0.09%
Govt-guarantees stripped
Texas Ratio
0.5%
NCO YTD
0.22%
30-89 PD
0.86%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
67
Sub-score

Reserves are stable: ALLL 0.40% of loans, coverage 450.8%, true coverage 450.8%.

ALLL / Loans
0.40%
Coverage
450.8%
True Loss Coverage
450.8%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.40% of loans.

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 13:41:28 UTC