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Clare Bank National Association

IDRSSD: 988144
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2025-Q1QoQ -13

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q1

Bank #988144 2025-Q1 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.46% of assets (threshold 3%).
  3. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.47% of loans.

What changed this quarter

Compared to Q4 2024:
↓ -13 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    ↓ 0
  • Capitalization
    ↓ -50
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ +6

The five pillars

Liquidity

StrongQoQ -1
81
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 57.3%, cash 1.5% of assets.

Cash / Assets
1.46%
Loans / Deposits
57.25%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.46% of assets (threshold 3%).

Securities

StrongQoQ 0
97
Sub-score

Securities profile is strong: securities 20.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
20.77%
No watch items at this period.

Capitalization

WatchQoQ -50
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 11.48%.

Tier 1 RBC
—
CET1
0.00%
Leverage
11.48%

Watch Items

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

Asset Quality

StrongQoQ -3
84
Sub-score

Asset quality is strong: Adjusted NPL 0.57%, Texas Ratio 2.3%, NCO YTD 0.02%.

Adjusted NPL
0.57%
Govt-guarantees stripped
Texas Ratio
2.3%
NCO YTD
0.02%
30-89 PD
2.55%
Band 0.3% / 3.0%
90+ PD
0.20%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +6
31
Sub-score

Reserves are weak: ALLL 0.47% of loans, coverage 83.8%, true coverage 79.0%.

ALLL / Loans
0.47%
Coverage
83.8%
True Loss Coverage
79.0%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.47% of loans.

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 01:01:19 UTC