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Central Bank

IDRSSD: 3488579
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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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
75
/ 100
StableAs of 2025-Q1QoQ -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-Q1

Bank #3488579 2025-Q1 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Brokered deposits above 30%
    Liquidity — Brokered 35.1% of deposits (threshold 30%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.93% of assets (threshold 3%).
  3. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 102.6% (threshold 100%).

What changed this quarter

Compared to Q4 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -4

The five pillars

Liquidity

WatchQoQ -2
46
Sub-score

Liquidity is deteriorating: brokered 35.1%, loans/deposits 102.6%, cash 1.9% of assets.

Cash / Assets
1.93%
Loans / Deposits
102.61%
Brokered %
35.05%

Watch Items

  • watchBrokered deposits above 30% — Brokered 35.1% of deposits (threshold 30%).
  • infoLoans / Deposits above 100% — Loans/Deposits 102.6% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.93% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.76%
No watch items at this period.

Capitalization

StableQoQ -1
70
Sub-score

Capital position is stable: Tier 1 RBC 11.08%, CET1 11.08%, leverage 10.45%.

Tier 1 RBC
11.08%
CET1
11.08%
Leverage
10.45%
No watch items at this period.

Asset Quality

StrongQoQ -6
86
Sub-score

Asset quality is strong: Adjusted NPL 1.18%, Texas Ratio 8.7%, NCO YTD 0.02%.

Adjusted NPL
1.18%
Govt-guarantees stripped
Texas Ratio
8.7%
NCO YTD
0.02%
30-89 PD
1.48%
Band 0.3% / 3.0%
90+ PD
0.21%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -4
80
Sub-score

Reserves are stable: ALLL 1.42% of loans, coverage 121.9%, true coverage 110.2%.

ALLL / Loans
1.42%
Coverage
121.9%
True Loss Coverage
110.2%
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: 2026-05-12 19:37:30 UTC