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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2026-Q1QoQ -12

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 #339072 2026-Q1 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2025:
↓ -12 ptscomposite
  • Liquidity
    — —
  • Securities
    ↓ -74
  • Capitalization
    — —
  • Asset Quality
    — —
  • Reserves
    ↓ -6

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 39.3%, cash 31.1% of assets.

Cash / Assets
31.12%
Loans / Deposits
39.35%
Brokered %
0.00%
No watch items at this period.

Securities

RiskQoQ -74
26
Sub-score

Securities profile is weak: securities 42.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
42.19%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 174.41%, CET1 174.41%, leverage 42.70%.

Tier 1 RBC
174.41%
CET1
174.41%
Leverage
42.70%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.35%, Texas Ratio 0.2%, NCO YTD 0.00%.

Adjusted NPL
0.35%
Govt-guarantees stripped
Texas Ratio
0.2%
NCO YTD
0.00%
30-89 PD
0.29%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -6
94
Sub-score

Reserves are strong: ALLL 1.33% of loans, coverage 386.7%, true coverage 386.7%.

ALLL / Loans
1.33%
Coverage
386.7%
True Loss Coverage
386.7%
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: 2026-05-14 04:22:06 UTC