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Bristol County Savings Bank

IDRSSD: 13103
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2026-Q1QoQ +1

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

Quarterly Headline

2026-Q1

Bank #13103 2026-Q1 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.46% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ +3
68
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 99.5%, cash 2.5% of assets.

Cash / Assets
2.46%
Loans / Deposits
99.50%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.46% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.61%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 18.08%, CET1 18.08%, leverage 14.40%.

Tier 1 RBC
18.08%
CET1
18.08%
Leverage
14.40%
No watch items at this period.

Asset Quality

StrongQoQ 0
99
Sub-score

Asset quality is strong: Adjusted NPL 0.60%, Texas Ratio 3.3%, NCO YTD 0.10%.

Adjusted NPL
0.60%
Govt-guarantees stripped
Texas Ratio
3.3%
NCO YTD
0.10%
30-89 PD
0.18%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +1
72
Sub-score

Reserves are stable: ALLL 0.94% of loans, coverage 157.1%, true coverage 138.1%.

ALLL / Loans
0.94%
Coverage
157.1%
True Loss Coverage
138.1%
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: 2026-05-14 03:35:48 UTC