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Commercial Bank

IDRSSD: 358112
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2025-Q4QoQ +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-Q4

Bank #358112 2025-Q4 Vital Signs Score: 88/100 — 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

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

What changed this quarter

Compared to Q3 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ 0
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ +4
80
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 84.0%, cash 4.1% of assets.

Cash / Assets
4.09%
Loans / Deposits
84.00%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.50%
No watch items at this period.

Capitalization

StrongQoQ -1
99
Sub-score

Capital position is strong: Tier 1 RBC 15.46%, CET1 15.46%, leverage 9.79%.

Tier 1 RBC
15.46%
CET1
15.46%
Leverage
9.79%
No watch items at this period.

Asset Quality

StrongQoQ 0
95
Sub-score

Asset quality is strong: Adjusted NPL 0.80%, Texas Ratio 5.4%, NCO YTD 0.13%.

Adjusted NPL
0.80%
Govt-guarantees stripped
Texas Ratio
5.4%
NCO YTD
0.13%
30-89 PD
0.53%
Band 0.3% / 3.0%
90+ PD
0.08%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +2
54
Sub-score

Reserves are deteriorating: ALLL 0.86% of loans, coverage 109.3%, true coverage 90.8%.

ALLL / Loans
0.86%
Coverage
109.3%
True Loss Coverage
90.8%
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 23:08:37 UTC