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Cfg Bank

IDRSSD: 2471239
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
63
/ 100
StableAs of 2025-Q2QoQ -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-Q2

Bank #2471239 2025-Q2 Vital Signs Score: 63/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 22.5% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 32.7% (regulatory soft-warning level 50%).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.86% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -9
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -4
76
Sub-score

Liquidity is stable: brokered 21.5%, loans/deposits 76.5%, cash 6.9% of assets.

Cash / Assets
6.92%
Loans / Deposits
76.47%
Brokered %
21.46%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.14%
No watch items at this period.

Capitalization

StableQoQ 0
79
Sub-score

Capital position is stable: Tier 1 RBC 11.96%, CET1 11.96%, leverage 11.10%.

Tier 1 RBC
11.96%
CET1
11.96%
Leverage
11.10%
No watch items at this period.

Asset Quality

RiskQoQ -9
34
Sub-score

Asset quality is weak: Adjusted NPL 4.86%, Texas Ratio 27.0%, NCO YTD 0.90%.

Adjusted NPL
4.86%
Govt-guarantees stripped
Texas Ratio
27.0%
NCO YTD
0.90%
30-89 PD
3.42%
Band 0.3% / 3.0%
90+ PD
0.85%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.86% (govt-guarantees stripped).

Reserves

Risk
33
Sub-score

Reserves are weak: ALLL 1.57% of loans, coverage 32.7%, true coverage 22.5%.

ALLL / Loans
1.57%
Coverage
32.7%
True Loss Coverage
22.5%

Watch Items

  • watchALLL / NPL below 50% — Coverage 32.7% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 22.5% (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