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Cayuga Lake National Bank

IDRSSD: 63201
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
87
/ 100
StrongAs of 2025-Q4QoQ +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-Q4

Bank #63201 2025-Q4 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.23% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↑ +2 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ +9
96
Sub-score

Liquidity is strong: brokered 3.0%, loans/deposits 65.7%, cash 9.0% of assets.

Cash / Assets
9.01%
Loans / Deposits
65.73%
Brokered %
3.02%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.91%
No watch items at this period.

Capitalization

StrongQoQ -1
97
Sub-score

Capital position is strong: Tier 1 RBC 17.46%, CET1 17.46%, leverage 9.35%.

Tier 1 RBC
17.46%
CET1
17.46%
Leverage
9.35%
No watch items at this period.

Asset Quality

StrongQoQ +1
85
Sub-score

Asset quality is strong: Adjusted NPL 2.23%, Texas Ratio 13.6%, NCO YTD -0.09%.

Adjusted NPL
2.23%
Govt-guarantees stripped
Texas Ratio
13.6%
NCO YTD
-0.09%
30-89 PD
0.29%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.23% (govt-guarantees stripped).

Reserves

WatchQoQ +1
47
Sub-score

Reserves are deteriorating: ALLL 1.36% of loans, coverage 61.9%, true coverage 61.9%.

ALLL / Loans
1.36%
Coverage
61.9%
True Loss Coverage
61.9%
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 13:54:57 UTC