Liquidity
StrongQoQ +6
89
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 58.1%, cash 4.9% of assets.
- Cash / Assets
- 4.87%
- Loans / Deposits
- 58.08%
- Brokered %
- 0.00%
No watch items at this period.
Cenbank
IDRSSD: 308256
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
73
/ 100
StableAs of 2025-Q4QoQ -3
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 #308256 2025-Q4 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Securities (watch).
Liquidity:Strong
Securities:Watch
Capitalization:Stable
Asset Quality:Strong
Reserves:Watch
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q3 2025:
↓ -3 ptscomposite
- Liquidity↑ +6
- Securities↓ -21
- Capitalization↓ -4
- Asset Quality— —
- Reserves↑ +1
The five pillars
Securities
WatchQoQ -21
42
Sub-score
Securities profile is deteriorating: securities 37.3% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 37.29%
SVB watch metric
No watch items at this period.
Capitalization
StableQoQ -4
63
Sub-score
Capital position is stable: Tier 1 RBC 11.63%, CET1 11.63%, leverage 7.26%.
- Tier 1 RBC
- 11.63%
- CET1
- 11.63%
- Leverage
- 7.26%
No watch items at this period.
Asset Quality
Strong
100
Sub-score
Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD 0.01%.
- Adjusted NPL
- 0.00%
- Texas Ratio
- 0.0%
- NCO YTD
- 0.01%
- 30-89 PD
- 0.09%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
WatchQoQ +1
57
Sub-score
Reserves are deteriorating: ALLL 1.07% of loans.
- ALLL / Loans
- 1.07%
- 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.tsfor 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