Visbanking Logo
Skip to main content

Cattlemens Bank

IDRSSD: 284556
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
62
/ 100
StableAs of 2025-Q2QoQ -7

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 #284556 2025-Q2 Vital Signs Score: 62/100 — overall stable. 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
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 108.3% (threshold 100%).
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.56%.

What changed this quarter

Compared to Q1 2025:
↓ -7 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -19
  • Reserves
    ↓ -22

The five pillars

Liquidity

StableQoQ +4
70
Sub-score

Liquidity is stable: brokered 9.2%, loans/deposits 108.3%, cash 8.0% of assets.

Cash / Assets
7.95%
Loans / Deposits
108.34%
Brokered %
9.22%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 108.3% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.22%
No watch items at this period.

Capitalization

WatchQoQ 0
46
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.47%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.47%

Watch Items

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

Asset Quality

StableQoQ -19
69
Sub-score

Asset quality is stable: Adjusted NPL 1.67%, Texas Ratio 14.2%, NCO YTD 0.00%.

Adjusted NPL
1.67%
Govt-guarantees stripped
Texas Ratio
14.2%
NCO YTD
0.00%
30-89 PD
1.44%
Band 0.3% / 3.0%
90+ PD
1.56%
Band 0.1% / 2.0%

Watch Items

  • watch90+ days past due elevated — 90+ PD 1.56%.

Reserves

RiskQoQ -22
27
Sub-score

Reserves are weak: ALLL 0.91% of loans, coverage 55.0%, true coverage 55.0%.

ALLL / Loans
0.91%
Coverage
55.0%
True Loss Coverage
55.0%
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: 2026-05-14 13:23:23 UTC