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City National Bank Of Florida

IDRSSD: 814430
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
86
/ 100
StrongAs of 2025-Q3QoQ -2

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 #814430 2025-Q3 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.71% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -11

The five pillars

Liquidity

StableQoQ +1
64
Sub-score

Liquidity is stable: brokered 11.7%, loans/deposits 89.2%, cash 1.7% of assets.

Cash / Assets
1.71%
Loans / Deposits
89.20%
Brokered %
11.73%

Watch Items

  • watchCash / Assets below 3% — Cash 1.71% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.34%
No watch items at this period.

Capitalization

StrongQoQ 0
98
Sub-score

Capital position is strong: Tier 1 RBC 14.21%, CET1 14.21%, leverage 10.79%.

Tier 1 RBC
14.21%
CET1
14.21%
Leverage
10.79%
No watch items at this period.

Asset Quality

StrongQoQ -3
95
Sub-score

Asset quality is strong: Adjusted NPL 1.06%, Texas Ratio 6.4%, NCO YTD -0.06%.

Adjusted NPL
1.06%
Govt-guarantees stripped
Texas Ratio
6.4%
NCO YTD
-0.06%
30-89 PD
0.34%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -11
68
Sub-score

Reserves are stable: ALLL 1.15% of loans, coverage 109.3%, true coverage 108.6%.

ALLL / Loans
1.15%
Coverage
109.3%
True Loss Coverage
108.6%
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 21:42:44 UTC