Liquidity
StableQoQ +1
74
Sub-score
Liquidity is stable: brokered 12.1%, loans/deposits 93.0%, cash 7.3% of assets.
- Cash / Assets
- 7.26%
- Loans / Deposits
- 93.00%
- Brokered %
- 12.13%
No watch items at this period.
Capital Bank National Association
IDRSSD: 2808602
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
78
/ 100
StableAs of 2025-Q4QoQ +1
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 #2808602 2025-Q4 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).
Liquidity:Stable
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 Q3 2025:
↑ +1 ptscomposite
- Liquidity↑ +1
- Securities— —
- Capitalization↓ -4
- Asset Quality↑ +5
- 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
- 3.87%
SVB watch metric
No watch items at this period.
Capitalization
StableQoQ -4
69
Sub-score
Capital position is stable: Tier 1 RBC 11.34%, CET1 11.34%, leverage 9.17%.
- Tier 1 RBC
- 11.34%
- CET1
- 11.34%
- Leverage
- 9.17%
No watch items at this period.
Asset Quality
StableQoQ +5
78
Sub-score
Asset quality is stable: Adjusted NPL 1.98%, Texas Ratio 15.5%, NCO YTD 0.33%.
- Adjusted NPL
- 1.98%
- Texas Ratio
- 15.5%
- NCO YTD
- 0.33%
- 30-89 PD
- 1.24%
- 90+ PD
- 0.16%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StableQoQ +1
73
Sub-score
Reserves are stable: ALLL 1.84% of loans, coverage 94.3%, true coverage 92.5%.
- ALLL / Loans
- 1.84%
- Coverage
- 94.3%
- True Loss Coverage
- 92.5%
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: 2026-05-13 13:49:34 UTC