Visbanking Logo
Skip to main content

Ciera Bank

IDRSSD: 327855
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
84
/ 100
StrongAs of 2025-Q2QoQ 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-Q2

Bank #327855 2025-Q2 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 32.5% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -6
  • Reserves
    ↑ +11

The five pillars

Liquidity

StrongQoQ -1
95
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 80.1%, cash 18.2% of assets.

Cash / Assets
18.19%
Loans / Deposits
80.12%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ 0
98
Sub-score

Capital position is strong: Tier 1 RBC 14.15%, CET1 14.15%, leverage 11.41%.

Tier 1 RBC
14.15%
CET1
14.15%
Leverage
11.41%
No watch items at this period.

Asset Quality

StableQoQ -6
74
Sub-score

Asset quality is stable: Adjusted NPL 1.62%, Texas Ratio 9.2%, NCO YTD 0.00%.

Adjusted NPL
1.62%
Govt-guarantees stripped
Texas Ratio
9.2%
NCO YTD
0.00%
30-89 PD
3.08%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +11
46
Sub-score

Reserves are deteriorating: ALLL 1.61% of loans, coverage 100.7%, true coverage 32.5%.

ALLL / Loans
1.61%
Coverage
100.7%
True Loss Coverage
32.5%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 32.5% (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 10:15:21 UTC