Liquidity
StrongQoQ 0
97
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 75.9%, cash 17.4% of assets.
- Cash / Assets
- 17.39%
- Loans / Deposits
- 75.88%
- Brokered %
- 0.00%
No watch items at this period.
Builtwell Bank
IDRSSD: 234739
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
91
/ 100
StrongAs of 2025-Q4QoQ -8
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 #234739 2025-Q4 Vital Signs Score: 91/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).
Liquidity:Strong
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Strong
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q3 2025:
↓ -8 ptscomposite
- Liquidity↓ 0
- Securities— —
- Capitalization↓ -29
- Asset Quality↓ -2
- Reserves↓ -1
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 3.9% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 3.94%
SVB watch metric
No watch items at this period.
Capitalization
StableQoQ -29
71
Sub-score
Capital position is stable: Tier 1 RBC 11.95%, CET1 11.95%, leverage 8.22%.
- Tier 1 RBC
- 11.95%
- CET1
- 11.95%
- Leverage
- 8.22%
No watch items at this period.
Asset Quality
StrongQoQ -2
96
Sub-score
Asset quality is strong: Adjusted NPL 0.50%, Texas Ratio 3.6%, NCO YTD 0.02%.
- Adjusted NPL
- 0.50%
- Texas Ratio
- 3.6%
- NCO YTD
- 0.02%
- 30-89 PD
- 0.80%
- 90+ PD
- 0.02%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ -1
97
Sub-score
Reserves are strong: ALLL 1.40% of loans, coverage 284.0%, true coverage 272.7%.
- ALLL / Loans
- 1.40%
- Coverage
- 284.0%
- True Loss Coverage
- 272.7%
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.tsfor 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: 2026-05-12 01:05:26 UTC