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Central Bank

IDRSSD: 3488579
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
70
/ 100
StableAs of 2025-Q3QoQ -7

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 #3488579 2025-Q3 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Brokered deposits above 30%
    Liquidity — Brokered 38.6% of deposits (threshold 30%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.96% of assets (threshold 3%).
  3. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 102.6% (threshold 100%).

What changed this quarter

Compared to Q2 2025:
↓ -7 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -19
  • Reserves
    ↓ -19

The five pillars

Liquidity

WatchQoQ +3
46
Sub-score

Liquidity is deteriorating: brokered 38.6%, loans/deposits 102.6%, cash 2.0% of assets.

Cash / Assets
1.96%
Loans / Deposits
102.63%
Brokered %
38.60%

Watch Items

  • watchBrokered deposits above 30% — Brokered 38.6% of deposits (threshold 30%).
  • infoLoans / Deposits above 100% — Loans/Deposits 102.6% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.96% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.62%
No watch items at this period.

Capitalization

StableQoQ +1
68
Sub-score

Capital position is stable: Tier 1 RBC 10.96%, CET1 10.96%, leverage 10.07%.

Tier 1 RBC
10.96%
CET1
10.96%
Leverage
10.07%
No watch items at this period.

Asset Quality

StableQoQ -19
75
Sub-score

Asset quality is stable: Adjusted NPL 1.71%, Texas Ratio 12.9%, NCO YTD 0.32%.

Adjusted NPL
1.71%
Govt-guarantees stripped
Texas Ratio
12.9%
NCO YTD
0.32%
30-89 PD
1.43%
Band 0.3% / 3.0%
90+ PD
0.65%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -19
63
Sub-score

Reserves are stable: ALLL 1.44% of loans, coverage 85.3%, true coverage 80.3%.

ALLL / Loans
1.44%
Coverage
85.3%
True Loss Coverage
80.3%
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