Visbanking Logo
Skip to main content

Central Bank And Trust

IDRSSD: 903950
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2025-Q3QoQ +1

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

Quarterly Headline

2025-Q3

Bank #903950 2025-Q3 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Asset Quality (strong). Weakest pillar: Securities (stable).

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

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.74% of loans.

What changed this quarter

Compared to Q2 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    ↑ +6
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -4
  • Reserves
    ↑ 0

The five pillars

Liquidity

StrongQoQ +2
85
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 61.6%, cash 3.2% of assets.

Cash / Assets
3.18%
Loans / Deposits
61.61%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ +6
62
Sub-score

Securities profile is stable: securities 31.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
31.50%
No watch items at this period.

Capitalization

StrongQoQ +1
94
Sub-score

Capital position is strong: Tier 1 RBC 17.11%, CET1 17.11%, leverage 8.63%.

Tier 1 RBC
17.11%
CET1
17.11%
Leverage
8.63%
No watch items at this period.

Asset Quality

StrongQoQ -4
95
Sub-score

Asset quality is strong: Adjusted NPL 0.02%, Texas Ratio 0.1%, NCO YTD 0.00%.

Adjusted NPL
0.02%
Govt-guarantees stripped
Texas Ratio
0.1%
NCO YTD
0.00%
30-89 PD
1.09%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ 0
75
Sub-score

Reserves are stable: ALLL 0.74% of loans, coverage 3046.2%, true coverage 3046.2%.

ALLL / Loans
0.74%
Coverage
3046.2%
True Loss Coverage
3046.2%

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: 2026-05-15 08:38:45 UTC