Liquidity
StrongQoQ 0
90
Sub-score
Liquidity is strong: brokered 15.0%, loans/deposits 61.4%, cash 14.2% of assets.
- Cash / Assets
- 14.23%
- Loans / Deposits
- 61.40%
- Brokered %
- 14.99%
No watch items at this period.
Business Bank The
IDRSSD: 5760662
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2025-Q2
Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
84
/ 100
StrongAs of 2025-Q2QoQ +4
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2025-Q2
Bank #5760662 2025-Q2 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Asset Quality (strong). Weakest pillar: Reserves (risk).
Liquidity:Strong
Securities:Stable
Capitalization:Strong
Asset Quality:Strong
Reserves:Risk
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q1 2025:
↑ +4 ptscomposite
- Liquidity↑ 0
- Securities↑ +20
- Capitalization↑ +3
- Asset Quality— —
- Reserves↑ +4
The five pillars
Securities
StableQoQ +20
69
Sub-score
Securities profile is stable: securities 29.4% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 29.37%
SVB watch metric
No watch items at this period.
Capitalization
StrongQoQ +3
100
Sub-score
Capital position is strong: Tier 1 RBC 15.96%, CET1 15.96%, leverage 9.94%.
- Tier 1 RBC
- 15.96%
- CET1
- 15.96%
- Leverage
- 9.94%
No watch items at this period.
Asset Quality
Strong
100
Sub-score
Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD 0.00%.
- Adjusted NPL
- 0.00%
- Texas Ratio
- 0.0%
- NCO YTD
- 0.00%
- 30-89 PD
- 0.00%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
RiskQoQ +4
36
Sub-score
Reserves are weak: ALLL 0.86% of loans.
- ALLL / Loans
- 0.86%
- Coverage
- —
- True Loss Coverage
- —
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: 2026-05-14 11:28:17 UTC