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Cenlar Fsb

IDRSSD: 934271
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
53
/ 100
WatchAs of 2025-Q2QoQ -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-Q2

Bank #934271 2025-Q2 Vital Signs Score: 53/100 — overall watch. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 5.6% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 7.6% (regulatory soft-warning level 50%).
  3. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 3.47%.

What changed this quarter

Compared to Q1 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -10
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ 0
86
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 48.6%, cash 3.6% of assets.

Cash / Assets
3.62%
Loans / Deposits
48.55%
Brokered %
0.00%
No watch items at this period.

Securities

Risk
0
Sub-score

Securities profile is weak: securities 55.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
55.08%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 46.13%, CET1 46.13%, leverage 15.50%.

Tier 1 RBC
46.13%
CET1
46.13%
Leverage
15.50%
No watch items at this period.

Asset Quality

WatchQoQ -10
44
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.81%, Texas Ratio 6.1%, NCO YTD -0.04%.

Adjusted NPL
3.81%
Govt-guarantees stripped
Texas Ratio
6.1%
NCO YTD
-0.04%
30-89 PD
2.11%
Band 0.3% / 3.0%
90+ PD
3.47%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.81% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 3.47%.

Reserves

Risk
0
Sub-score

Reserves are weak: ALLL 0.29% of loans, coverage 7.6%, true coverage 5.6%.

ALLL / Loans
0.29%
Coverage
7.6%
True Loss Coverage
5.6%

Watch Items

  • riskALLL / NPL below 50% — Coverage 7.6% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 5.6% (Adjusted NPL + Performing Mods denominator).
  • riskALLL / Loans below 0.75% — ALLL 0.29% 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: 2026-05-13 09:43:40 UTC