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Cibm Bank

IDRSSD: 340742
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
75
/ 100
StableAs of 2025-Q4QoQ -4

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 #340742 2025-Q4 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.98% of assets (threshold 3%).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.5% (threshold 100%).

What changed this quarter

Compared to Q3 2025:
↓ -4 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    ↓ -7
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -4

The five pillars

Liquidity

WatchQoQ -7
59
Sub-score

Liquidity is deteriorating: brokered 9.3%, loans/deposits 100.5%, cash 1.0% of assets.

Cash / Assets
0.98%
Loans / Deposits
100.45%
Brokered %
9.35%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.5% (threshold 100%).
  • riskCash / Assets below 3% — Cash 0.98% 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 -7
79
Sub-score

Capital position is stable: Tier 1 RBC 12.08%, CET1 12.08%, leverage 9.67%.

Tier 1 RBC
12.08%
CET1
12.08%
Leverage
9.67%
No watch items at this period.

Asset Quality

StrongQoQ 0
81
Sub-score

Asset quality is strong: Adjusted NPL 1.48%, Texas Ratio 11.2%, NCO YTD 0.85%.

Adjusted NPL
1.48%
Govt-guarantees stripped
Texas Ratio
11.2%
NCO YTD
0.85%
30-89 PD
0.77%
Band 0.3% / 3.0%
90+ PD
0.17%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -4
53
Sub-score

Reserves are deteriorating: ALLL 1.25% of loans, coverage 85.7%, true coverage 70.9%.

ALLL / Loans
1.25%
Coverage
85.7%
True Loss Coverage
70.9%
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