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Cenbank

IDRSSD: 308256
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2025-Q1QoQ -8

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q1

Bank #308256 2025-Q1 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Securities (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2024:
↓ -8 ptscomposite
  • Liquidity
    ↓ -14
  • Securities
    ↓ -9
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -24

The five pillars

Liquidity

StrongQoQ -14
86
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 64.7%, cash 3.8% of assets.

Cash / Assets
3.84%
Loans / Deposits
64.66%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ -9
62
Sub-score

Securities profile is stable: securities 31.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
31.52%
No watch items at this period.

Capitalization

StableQoQ -1
72
Sub-score

Capital position is stable: Tier 1 RBC 12.18%, CET1 12.18%, leverage 7.90%.

Tier 1 RBC
12.18%
CET1
12.18%
Leverage
7.90%
No watch items at this period.

Asset Quality

StrongQoQ +1
100
Sub-score

Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD 0.00%.

Adjusted NPL
0.00%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
0.00%
30-89 PD
0.31%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -24
67
Sub-score

Reserves are stable: ALLL 1.17% of loans.

ALLL / Loans
1.17%
Coverage
—
True Loss Coverage
—
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: 2026-05-15 05:33:20 UTC