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Cenlar Fsb

IDRSSD: 934271
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
59
/ 100
WatchAs of 2025-Q4QoQ 0

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 #934271 2025-Q4 Vital Signs Score: 59/100 — overall watch. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 5.8% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 7.3% (regulatory soft-warning level 50%).
  3. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.29% of loans.

What changed this quarter

Compared to Q3 2025:
↑ 0 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    ↑ +3
  • Capitalization
    — —
  • Asset Quality
    ↓ -2
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +3
88
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 47.7%, cash 4.6% of assets.

Cash / Assets
4.62%
Loans / Deposits
47.68%
Brokered %
0.00%
No watch items at this period.

Securities

RiskQoQ +3
3
Sub-score

Securities profile is weak: securities 49.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
49.21%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 40.75%, CET1 40.75%, leverage 16.85%.

Tier 1 RBC
40.75%
CET1
40.75%
Leverage
16.85%
No watch items at this period.

Asset Quality

StableQoQ -2
65
Sub-score

Asset quality is stable: Adjusted NPL 4.00%, Texas Ratio 6.9%, NCO YTD 0.00%.

Adjusted NPL
4.00%
Govt-guarantees stripped
Texas Ratio
6.9%
NCO YTD
0.00%
30-89 PD
1.21%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.00% (govt-guarantees stripped).

Reserves

Risk
0
Sub-score

Reserves are weak: ALLL 0.29% of loans, coverage 7.3%, true coverage 5.8%.

ALLL / Loans
0.29%
Coverage
7.3%
True Loss Coverage
5.8%

Watch Items

  • riskALLL / NPL below 50% — Coverage 7.3% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 5.8% (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