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Capital Bank National Association

IDRSSD: 2808602
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
81
/ 100
StrongAs of 2025-Q1QoQ -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-Q1

Bank #2808602 2025-Q1 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -10

The five pillars

Liquidity

StrongQoQ +7
81
Sub-score

Liquidity is strong: brokered 10.6%, loans/deposits 90.2%, cash 9.0% of assets.

Cash / Assets
9.02%
Loans / Deposits
90.17%
Brokered %
10.60%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.62%
No watch items at this period.

Capitalization

StableQoQ +2
73
Sub-score

Capital position is stable: Tier 1 RBC 11.67%, CET1 11.67%, leverage 9.27%.

Tier 1 RBC
11.67%
CET1
11.67%
Leverage
9.27%
No watch items at this period.

Asset Quality

StableQoQ -8
78
Sub-score

Asset quality is stable: Adjusted NPL 1.67%, Texas Ratio 12.8%, NCO YTD 0.37%.

Adjusted NPL
1.67%
Govt-guarantees stripped
Texas Ratio
12.8%
NCO YTD
0.37%
30-89 PD
1.77%
Band 0.3% / 3.0%
90+ PD
0.06%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -10
80
Sub-score

Reserves are stable: ALLL 1.79% of loans, coverage 109.3%, true coverage 100.4%.

ALLL / Loans
1.79%
Coverage
109.3%
True Loss Coverage
100.4%
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: 2026-05-13 13:49:34 UTC