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City National Bank

IDRSSD: 63069
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
84
/ 100
StrongAs of 2026-Q1QoQ -1

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 #63069 2026-Q1 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q4 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -5

The five pillars

Liquidity

StableQoQ -2
77
Sub-score

Liquidity is stable: brokered 16.2%, loans/deposits 84.9%.

Cash / Assets
—
Loans / Deposits
84.87%
Brokered %
16.22%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 17.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
17.71%
No watch items at this period.

Capitalization

Stable
75
Sub-score

Capital position is stable: Tier 1 RBC 15.06%, CET1 0.00%, leverage 10.31%.

Tier 1 RBC
15.06%
CET1
0.00%
Leverage
10.31%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ -1
97
Sub-score

Asset quality is strong: Adjusted NPL 0.77%, Texas Ratio 4.8%, NCO YTD 0.03%.

Adjusted NPL
0.77%
Govt-guarantees stripped
Texas Ratio
4.8%
NCO YTD
0.03%
30-89 PD
0.32%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -5
69
Sub-score

Reserves are stable: ALLL 1.02% of loans, coverage 133.8%, true coverage 117.5%.

ALLL / Loans
1.02%
Coverage
133.8%
True Loss Coverage
117.5%
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 18:55:02 UTC