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Central Bank

IDRSSD: 3488579
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
77
/ 100
StableAs of 2025-Q2QoQ +2

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 #3488579 2025-Q2 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 107.0% (threshold 100%).
  2. watch
    Brokered deposits above 30%
    Liquidity — Brokered 36.9% of deposits (threshold 30%).
  3. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.68% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↑ +2 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ +9
  • Reserves
    ↑ +2

The five pillars

Liquidity

WatchQoQ -3
43
Sub-score

Liquidity is deteriorating: brokered 36.9%, loans/deposits 107.0%, cash 1.7% of assets.

Cash / Assets
1.68%
Loans / Deposits
107.03%
Brokered %
36.95%

Watch Items

  • watchBrokered deposits above 30% — Brokered 36.9% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 107.0% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.68% 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
0.79%
No watch items at this period.

Capitalization

StableQoQ -2
68
Sub-score

Capital position is stable: Tier 1 RBC 10.90%, CET1 10.90%, leverage 10.28%.

Tier 1 RBC
10.90%
CET1
10.90%
Leverage
10.28%
No watch items at this period.

Asset Quality

StrongQoQ +9
95
Sub-score

Asset quality is strong: Adjusted NPL 1.10%, Texas Ratio 8.3%, NCO YTD 0.01%.

Adjusted NPL
1.10%
Govt-guarantees stripped
Texas Ratio
8.3%
NCO YTD
0.01%
30-89 PD
0.26%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +2
82
Sub-score

Reserves are strong: ALLL 1.42% of loans, coverage 131.5%, true coverage 119.1%.

ALLL / Loans
1.42%
Coverage
131.5%
True Loss Coverage
119.1%
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