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Central Bank

IDRSSD: 3488579
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
71
/ 100
StableAs of 2025-Q4QoQ +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-Q4

Bank #3488579 2025-Q4 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 51.0% of deposits (threshold 30%).
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 107.9% (threshold 100%).

What changed this quarter

Compared to Q3 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -8
  • Asset Quality
    ↑ +12
  • Reserves
    ↑ +1

The five pillars

Liquidity

WatchQoQ +1
47
Sub-score

Liquidity is deteriorating: brokered 51.0%, loans/deposits 107.9%, cash 3.6% of assets.

Cash / Assets
3.61%
Loans / Deposits
107.88%
Brokered %
51.01%

Watch Items

  • riskBrokered deposits above 30% — Brokered 51.0% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 107.9% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.61%
No watch items at this period.

Capitalization

WatchQoQ -8
60
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.28%, CET1 10.28%, leverage 9.74%.

Tier 1 RBC
10.28%
CET1
10.28%
Leverage
9.74%
No watch items at this period.

Asset Quality

StrongQoQ +12
87
Sub-score

Asset quality is strong: Adjusted NPL 1.73%, Texas Ratio 13.7%, NCO YTD 0.12%.

Adjusted NPL
1.73%
Govt-guarantees stripped
Texas Ratio
13.7%
NCO YTD
0.12%
30-89 PD
0.13%
Band 0.3% / 3.0%
90+ PD
0.26%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +1
64
Sub-score

Reserves are stable: ALLL 1.45% of loans, coverage 85.3%, true coverage 80.8%.

ALLL / Loans
1.45%
Coverage
85.3%
True Loss Coverage
80.8%
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