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Clinton Bank

IDRSSD: 782548
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
84
/ 100
StrongAs of 2025-Q3QoQ -9

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 #782548 2025-Q3 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 46.9% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2025:
↓ -9 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -43

The five pillars

Liquidity

StableQoQ +1
78
Sub-score

Liquidity is stable: brokered 8.2%, loans/deposits 79.5%, cash 4.6% of assets.

Cash / Assets
4.55%
Loans / Deposits
79.51%
Brokered %
8.16%
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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 24.23%, CET1 24.23%, leverage 17.89%.

Tier 1 RBC
24.23%
CET1
24.23%
Leverage
17.89%
No watch items at this period.

Asset Quality

StrongQoQ -12
87
Sub-score

Asset quality is strong: Adjusted NPL 0.99%, Texas Ratio 3.4%, NCO YTD -0.01%.

Adjusted NPL
0.99%
Govt-guarantees stripped
Texas Ratio
3.4%
NCO YTD
-0.01%
30-89 PD
0.49%
Band 0.3% / 3.0%
90+ PD
0.98%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -43
47
Sub-score

Reserves are deteriorating: ALLL 1.19% of loans, coverage 122.2%, true coverage 46.9%.

ALLL / Loans
1.19%
Coverage
122.2%
True Loss Coverage
46.9%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 46.9% (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 08:50:40 UTC