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Caldwell Bank And Trust Company

IDRSSD: 925354
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
59
/ 100
WatchAs of 2025-Q3QoQ -2

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 #925354 2025-Q3 Vital Signs Score: 59/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.76%.
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 44.1% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -5

The five pillars

Liquidity

StableQoQ -5
69
Sub-score

Liquidity is stable: brokered 21.5%, loans/deposits 91.2%, cash 7.4% of assets.

Cash / Assets
7.41%
Loans / Deposits
91.16%
Brokered %
21.48%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.45%
No watch items at this period.

Capitalization

WatchQoQ +2
47
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.61%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.61%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ -2
61
Sub-score

Asset quality is stable: Adjusted NPL 2.24%, Texas Ratio 16.8%, NCO YTD 0.40%.

Adjusted NPL
2.24%
Govt-guarantees stripped
Texas Ratio
16.8%
NCO YTD
0.40%
30-89 PD
1.28%
Band 0.3% / 3.0%
90+ PD
1.76%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.24% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.76%.

Reserves

RiskQoQ -5
25
Sub-score

Reserves are weak: ALLL 1.05% of loans, coverage 47.4%, true coverage 44.1%.

ALLL / Loans
1.05%
Coverage
47.4%
True Loss Coverage
44.1%

Watch Items

  • infoALLL / NPL below 50% — Coverage 47.4% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 44.1% (Adjusted NPL + Performing Mods denominator).

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 11:17:07 UTC