Visbanking Logo
Skip to main content

Cibm Bank

IDRSSD: 340742
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
73
/ 100
StableAs of 2025-Q2QoQ -8

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 #340742 2025-Q2 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.25% of assets (threshold 3%).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.09%.

What changed this quarter

Compared to Q1 2025:
↓ -8 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -38

The five pillars

Liquidity

StableQoQ +1
60
Sub-score

Liquidity is stable: brokered 10.1%, loans/deposits 96.9%, cash 1.2% of assets.

Cash / Assets
1.25%
Loans / Deposits
96.93%
Brokered %
10.10%

Watch Items

  • watchCash / Assets below 3% — Cash 1.25% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.36%
No watch items at this period.

Capitalization

StableQoQ +3
80
Sub-score

Capital position is stable: Tier 1 RBC 12.19%, CET1 12.19%, leverage 9.60%.

Tier 1 RBC
12.19%
CET1
12.19%
Leverage
9.60%
No watch items at this period.

Asset Quality

StableQoQ -12
78
Sub-score

Asset quality is stable: Adjusted NPL 1.95%, Texas Ratio 14.4%, NCO YTD -0.02%.

Adjusted NPL
1.95%
Govt-guarantees stripped
Texas Ratio
14.4%
NCO YTD
-0.02%
30-89 PD
0.27%
Band 0.3% / 3.0%
90+ PD
1.09%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.09%.

Reserves

WatchQoQ -38
44
Sub-score

Reserves are deteriorating: ALLL 1.31% of loans, coverage 68.0%, true coverage 57.9%.

ALLL / Loans
1.31%
Coverage
68.0%
True Loss Coverage
57.9%
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 02:56:03 UTC