Visbanking Logo
Skip to main content

Cedar Valley Bank And Trust

IDRSSD: 1014246
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
71
/ 100
StableAs 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 #1014246 2025-Q4 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.82% of assets (threshold 3%).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 102.7% (threshold 100%).
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.74% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -2

The five pillars

Liquidity

WatchQoQ -2
60
Sub-score

Liquidity is deteriorating: brokered 8.8%, loans/deposits 102.7%, cash 1.8% of assets.

Cash / Assets
1.82%
Loans / Deposits
102.66%
Brokered %
8.77%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 102.7% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.82% 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 -1
75
Sub-score

Capital position is stable: Tier 1 RBC 12.11%, CET1 12.11%, leverage 8.83%.

Tier 1 RBC
12.11%
CET1
12.11%
Leverage
8.83%
No watch items at this period.

Asset Quality

StrongQoQ -5
87
Sub-score

Asset quality is strong: Adjusted NPL 1.15%, Texas Ratio 11.1%, NCO YTD 0.11%.

Adjusted NPL
1.15%
Govt-guarantees stripped
Texas Ratio
11.1%
NCO YTD
0.11%
30-89 PD
1.30%
Band 0.3% / 3.0%
90+ PD
0.23%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -2
27
Sub-score

Reserves are weak: ALLL 0.74% of loans, coverage 64.3%, true coverage 64.3%.

ALLL / Loans
0.74%
Coverage
64.3%
True Loss Coverage
64.3%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.74% 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