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Cibm Bank

IDRSSD: 340742
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2026-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

2026-Q1

Bank #340742 2026-Q1 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.16% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↑ +3 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +8
  • Reserves
    ↑ +7

The five pillars

Liquidity

WatchQoQ +1
59
Sub-score

Liquidity is deteriorating: brokered 10.5%, loans/deposits 98.3%, cash 1.2% of assets.

Cash / Assets
1.16%
Loans / Deposits
98.27%
Brokered %
10.54%

Watch Items

  • watchCash / Assets below 3% — Cash 1.16% 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

StrongQoQ +1
80
Sub-score

Capital position is strong: Tier 1 RBC 12.11%, CET1 12.11%, leverage 9.86%.

Tier 1 RBC
12.11%
CET1
12.11%
Leverage
9.86%
No watch items at this period.

Asset Quality

StrongQoQ +8
89
Sub-score

Asset quality is strong: Adjusted NPL 1.35%, Texas Ratio 10.1%, NCO YTD -0.05%.

Adjusted NPL
1.35%
Govt-guarantees stripped
Texas Ratio
10.1%
NCO YTD
-0.05%
30-89 PD
0.88%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +7
60
Sub-score

Reserves are deteriorating: ALLL 1.29% of loans, coverage 96.8%, true coverage 78.7%.

ALLL / Loans
1.29%
Coverage
96.8%
True Loss Coverage
78.7%
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