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Bristol Morgan Bank

IDRSSD: 807348
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
86
/ 100
StrongAs of 2025-Q1QoQ +3

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 #807348 2025-Q1 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:Stable

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 108.7% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.81% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2024:
↑ +3 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +9
  • Asset Quality
    ↑ +9
  • Reserves
    ↓ -6

The five pillars

Liquidity

WatchQoQ -2
53
Sub-score

Liquidity is deteriorating: brokered 17.0%, loans/deposits 108.7%, cash 2.8% of assets.

Cash / Assets
2.81%
Loans / Deposits
108.71%
Brokered %
16.96%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 108.7% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.81% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.25%
No watch items at this period.

Capitalization

StrongQoQ +9
97
Sub-score

Capital position is strong: Tier 1 RBC 14.17%, CET1 14.17%, leverage 11.00%.

Tier 1 RBC
14.17%
CET1
14.17%
Leverage
11.00%
No watch items at this period.

Asset Quality

StrongQoQ +9
98
Sub-score

Asset quality is strong: Adjusted NPL 0.64%, Texas Ratio 4.4%, NCO YTD -0.05%.

Adjusted NPL
0.64%
Govt-guarantees stripped
Texas Ratio
4.4%
NCO YTD
-0.05%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -6
75
Sub-score

Reserves are stable: ALLL 1.01% of loans, coverage 159.8%, true coverage 159.8%.

ALLL / Loans
1.01%
Coverage
159.8%
True Loss Coverage
159.8%
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 23:44:59 UTC