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Boonville Federal Savings Bank

IDRSSD: 991078
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
78
/ 100
StableAs of 2025-Q1QoQ -7

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 #991078 2025-Q1 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2024:
↓ -7 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -36

The five pillars

Liquidity

StrongQoQ +1
88
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 93.7%, cash 11.5% of assets.

Cash / Assets
11.48%
Loans / Deposits
93.74%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 15.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
14.99%
No watch items at this period.

Capitalization

StrongQoQ +1
94
Sub-score

Capital position is strong: Tier 1 RBC 15.46%, CET1 15.46%, leverage 8.52%.

Tier 1 RBC
15.46%
CET1
15.46%
Leverage
8.52%
No watch items at this period.

Asset Quality

StableQoQ -6
69
Sub-score

Asset quality is stable: Adjusted NPL 1.23%, Texas Ratio 9.3%, NCO YTD 0.08%.

Adjusted NPL
1.23%
Govt-guarantees stripped
Texas Ratio
9.3%
NCO YTD
0.08%
30-89 PD
4.41%
Band 0.3% / 3.0%
90+ PD
0.97%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -36
29
Sub-score

Reserves are weak: ALLL 0.79% of loans, coverage 64.7%, true coverage 63.1%.

ALLL / Loans
0.79%
Coverage
64.7%
True Loss Coverage
63.1%
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 08:39:52 UTC