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Cedar Valley Bank And Trust

IDRSSD: 1014246
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
74
/ 100
StableAs of 2025-Q3QoQ +6

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 #1014246 2025-Q3 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 121.3% (threshold 100%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.70% of assets (threshold 3%).
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.71% of loans.

What changed this quarter

Compared to Q2 2025:
↑ +6 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +6
  • Asset Quality
    ↑ +16
  • Reserves
    ↑ +3

The five pillars

Liquidity

StableQoQ -1
62
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 121.3%, cash 1.7% of assets.

Cash / Assets
1.70%
Loans / Deposits
121.31%
Brokered %
0.00%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 121.3% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.70% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StableQoQ +6
75
Sub-score

Capital position is stable: Tier 1 RBC 12.18%, CET1 12.18%, leverage 8.88%.

Tier 1 RBC
12.18%
CET1
12.18%
Leverage
8.88%
No watch items at this period.

Asset Quality

StrongQoQ +16
92
Sub-score

Asset quality is strong: Adjusted NPL 1.04%, Texas Ratio 10.0%, NCO YTD 0.08%.

Adjusted NPL
1.04%
Govt-guarantees stripped
Texas Ratio
10.0%
NCO YTD
0.08%
30-89 PD
0.29%
Band 0.3% / 3.0%
90+ PD
0.49%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +3
30
Sub-score

Reserves are weak: ALLL 0.71% of loans, coverage 68.9%, true coverage 68.9%.

ALLL / Loans
0.71%
Coverage
68.9%
True Loss Coverage
68.9%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.71% of loans.

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 19:42:09 UTC