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Coastal Community Bank

IDRSSD: 2562164
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
83
/ 100
StrongAs of 2025-Q3QoQ +1

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 #2562164 2025-Q3 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 5.36% of loans.

What changed this quarter

Compared to Q2 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -1
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +7
91
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 89.0%, cash 14.1% of assets.

Cash / Assets
14.11%
Loans / Deposits
88.95%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.97%
No watch items at this period.

Capitalization

StrongQoQ 0
84
Sub-score

Capital position is strong: Tier 1 RBC 12.37%, CET1 12.37%, leverage 10.49%.

Tier 1 RBC
12.37%
CET1
12.37%
Leverage
10.49%
No watch items at this period.

Asset Quality

WatchQoQ -1
57
Sub-score

Asset quality is deteriorating: Adjusted NPL 1.67%, Texas Ratio 9.2%, NCO YTD 5.36%.

Adjusted NPL
1.67%
Govt-guarantees stripped
Texas Ratio
9.2%
NCO YTD
5.36%
30-89 PD
1.76%
Band 0.3% / 3.0%
90+ PD
0.92%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 5.36% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 4.64% of loans, coverage 290.8%, true coverage 213.5%.

ALLL / Loans
4.64%
Coverage
290.8%
True Loss Coverage
213.5%
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: 2026-05-13 11:55:46 UTC