Visbanking Logo
Skip to main content

Bridgewater Bank

IDRSSD: 3378773
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
86
/ 100
StrongAs of 2025-Q3QoQ -1

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 #3378773 2025-Q3 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.53% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ 0
  • Reserves
    ↓ 0

The five pillars

Liquidity

WatchQoQ -3
57
Sub-score

Liquidity is deteriorating: brokered 19.3%, loans/deposits 96.1%, cash 2.5% of assets.

Cash / Assets
2.53%
Loans / Deposits
96.09%
Brokered %
19.32%

Watch Items

  • infoCash / Assets below 3% — Cash 2.53% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.75%
No watch items at this period.

Capitalization

StrongQoQ 0
81
Sub-score

Capital position is strong: Tier 1 RBC 12.18%, CET1 12.18%, leverage 10.40%.

Tier 1 RBC
12.18%
CET1
12.18%
Leverage
10.40%
No watch items at this period.

Asset Quality

StrongQoQ 0
100
Sub-score

Asset quality is strong: Adjusted NPL 0.24%, Texas Ratio 1.6%, NCO YTD 0.03%.

Adjusted NPL
0.24%
Govt-guarantees stripped
Texas Ratio
1.6%
NCO YTD
0.03%
30-89 PD
0.07%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ 0
95
Sub-score

Reserves are strong: ALLL 1.34% of loans, coverage 564.4%, true coverage 560.8%.

ALLL / Loans
1.34%
Coverage
564.4%
True Loss Coverage
560.8%
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 07:50:04 UTC