Liquidity
StrongQoQ +1
93
Sub-score
Liquidity is strong: brokered 8.0%, loans/deposits 23.8%.
- Cash / Assets
- —
- Loans / Deposits
- 23.77%
- Brokered %
- 7.98%
No watch items at this period.
Charles Schwab Bank Ssb
IDRSSD: 3150447
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
76
/ 100
StableAs of 2025-Q3QoQ 0
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 #3150447 2025-Q3 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Reserves (risk).
Liquidity:Strong
Securities:Unknown
Capitalization:Stable
Asset Quality:Strong
Reserves:Risk
Top 3 Watch Items
- riskCET1 below 7%Capitalization — CET1 0.00% (threshold 7%).
- riskALLL / Loans below 0.75%Reserves — ALLL 0.04% of loans.
What changed this quarter
Compared to Q2 2025:
↓ 0 ptscomposite
- Liquidity↑ +1
- Securities— —
- Capitalization— —
- Asset Quality— —
- Reserves↓ -3
The five pillars
Securities
Unknown
—
Sub-score
Insufficient data to compute a narrative for this pillar.
- MtM Loss / Tier 1
- —
- Securities / Assets
- —
SVB watch metric
No watch items at this period.
Capitalization
Stable
75
Sub-score
Capital position is stable: Tier 1 RBC 40.81%, CET1 0.00%, leverage 12.41%.
- Tier 1 RBC
- 40.81%
- CET1
- 0.00%
- Leverage
- 12.41%
Watch Items
- riskCET1 below 7% — CET1 0.00% (threshold 7%).
Asset Quality
Strong
100
Sub-score
Asset quality is strong: Adjusted NPL 0.08%, Texas Ratio 0.1%, NCO YTD 0.00%.
- Adjusted NPL
- 0.08%
- Texas Ratio
- 0.1%
- NCO YTD
- 0.00%
- 30-89 PD
- 0.06%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
RiskQoQ -3
12
Sub-score
Reserves are weak: ALLL 0.04% of loans, coverage 55.0%, true coverage 53.7%.
- ALLL / Loans
- 0.04%
- Coverage
- 55.0%
- True Loss Coverage
- 53.7%
Watch Items
- riskALLL / Loans below 0.75% — ALLL 0.04% of loans.
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.tsfor 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: 2026-05-14 03:43:23 UTC