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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q4QoQ -2

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

Quarterly Headline

2025-Q4

Bank #991078 2025-Q4 Vital Signs Score: 75/100 — 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 29.8% (Adjusted NPL + Performing Mods denominator).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.17%.

What changed this quarter

Compared to Q3 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ 0
76
Sub-score

Liquidity is stable: brokered 14.7%, loans/deposits 96.7%, cash 9.6% of assets.

Cash / Assets
9.65%
Loans / Deposits
96.73%
Brokered %
14.70%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 13.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
13.83%
No watch items at this period.

Capitalization

StrongQoQ +1
95
Sub-score

Capital position is strong: Tier 1 RBC 15.49%, CET1 15.49%, leverage 8.86%.

Tier 1 RBC
15.49%
CET1
15.49%
Leverage
8.86%
No watch items at this period.

Asset Quality

StableQoQ -8
68
Sub-score

Asset quality is stable: Adjusted NPL 1.17%, Texas Ratio 8.7%, NCO YTD 0.10%.

Adjusted NPL
1.17%
Govt-guarantees stripped
Texas Ratio
8.7%
NCO YTD
0.10%
30-89 PD
5.06%
Band 0.3% / 3.0%
90+ PD
1.17%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.17%.

Reserves

RiskQoQ -2
26
Sub-score

Reserves are weak: ALLL 1.02% of loans, coverage 87.9%, true coverage 29.8%.

ALLL / Loans
1.02%
Coverage
87.9%
True Loss Coverage
29.8%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 29.8% (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