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Colonial Savings Fa

IDRSSD: 339072
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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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
70
/ 100
StableAs of 2025-Q3QoQ -5

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 #339072 2025-Q3 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 4.0% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 4.1% (regulatory soft-warning level 50%).
  3. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 24.98% of loans.

What changed this quarter

Compared to Q2 2025:
↓ -5 ptscomposite
  • Liquidity
    ↑ +12
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -14
  • Reserves
    ↓ -22

The five pillars

Liquidity

StrongQoQ +12
86
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 97.3%, cash 25.3% of assets.

Cash / Assets
25.31%
Loans / Deposits
97.34%
Brokered %
0.00%
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 62.44%, CET1 62.44%, leverage 23.74%.

Tier 1 RBC
62.44%
CET1
62.44%
Leverage
23.74%
No watch items at this period.

Asset Quality

WatchQoQ -14
49
Sub-score

Asset quality is deteriorating: Adjusted NPL 5.20%, Texas Ratio 13.0%, NCO YTD 24.98%.

Adjusted NPL
5.20%
Govt-guarantees stripped
Texas Ratio
13.0%
NCO YTD
24.98%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.20% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 24.98% of loans.

Reserves

RiskQoQ -22
0
Sub-score

Reserves are weak: ALLL 0.21% of loans, coverage 4.1%, true coverage 4.0%.

ALLL / Loans
0.21%
Coverage
4.1%
True Loss Coverage
4.0%

Watch Items

  • riskALLL / NPL below 50% — Coverage 4.1% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 4.0% (Adjusted NPL + Performing Mods denominator).
  • riskALLL / Loans below 0.75% — ALLL 0.21% 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: 2026-05-14 04:22:06 UTC