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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-Q3

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

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2025-Q3QoQ -10

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 #991078 2025-Q3 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 38.7% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2025:
↓ -10 ptscomposite
  • Liquidity
    ↓ -13
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -38

The five pillars

Liquidity

StableQoQ -13
76
Sub-score

Liquidity is stable: brokered 13.3%, loans/deposits 96.2%, cash 9.1% of assets.

Cash / Assets
9.09%
Loans / Deposits
96.21%
Brokered %
13.31%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 14.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
14.26%
No watch items at this period.

Capitalization

StrongQoQ 0
94
Sub-score

Capital position is strong: Tier 1 RBC 15.20%, CET1 15.20%, leverage 8.62%.

Tier 1 RBC
15.20%
CET1
15.20%
Leverage
8.62%
No watch items at this period.

Asset Quality

StableQoQ -6
76
Sub-score

Asset quality is stable: Adjusted NPL 0.98%, Texas Ratio 7.4%, NCO YTD 0.01%.

Adjusted NPL
0.98%
Govt-guarantees stripped
Texas Ratio
7.4%
NCO YTD
0.01%
30-89 PD
2.38%
Band 0.3% / 3.0%
90+ PD
0.92%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -38
28
Sub-score

Reserves are weak: ALLL 0.92% of loans, coverage 94.4%, true coverage 38.7%.

ALLL / Loans
0.92%
Coverage
94.4%
True Loss Coverage
38.7%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 38.7% (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 08:39:52 UTC