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Cfg Bank

IDRSSD: 2471239
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
66
/ 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 #2471239 2025-Q1 Vital Signs Score: 66/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 16.7% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 24.8% (regulatory soft-warning level 50%).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 6.35% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2024:
↑ +3 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +14
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -7
80
Sub-score

Liquidity is stable: brokered 17.7%, loans/deposits 76.5%, cash 7.7% of assets.

Cash / Assets
7.68%
Loans / Deposits
76.52%
Brokered %
17.74%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.18%
No watch items at this period.

Capitalization

StableQoQ +2
79
Sub-score

Capital position is stable: Tier 1 RBC 11.98%, CET1 11.98%, leverage 10.88%.

Tier 1 RBC
11.98%
CET1
11.98%
Leverage
10.88%
No watch items at this period.

Asset Quality

WatchQoQ +14
43
Sub-score

Asset quality is deteriorating: Adjusted NPL 6.35%, Texas Ratio 35.6%, NCO YTD 0.36%.

Adjusted NPL
6.35%
Govt-guarantees stripped
Texas Ratio
35.6%
NCO YTD
0.36%
30-89 PD
3.08%
Band 0.3% / 3.0%
90+ PD
0.14%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 6.35% (govt-guarantees stripped).

Reserves

Risk
33
Sub-score

Reserves are weak: ALLL 1.55% of loans, coverage 24.8%, true coverage 16.7%.

ALLL / Loans
1.55%
Coverage
24.8%
True Loss Coverage
16.7%

Watch Items

  • riskALLL / NPL below 50% — Coverage 24.8% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 16.7% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-13 11:50:59 UTC