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Commercial Bank

IDRSSD: 42457
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2025-Q1QoQ -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-Q1

Bank #42457 2025-Q1 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.77% of assets (threshold 3%).
  2. info
    Brokered deposits above 30%
    Liquidity — Brokered 32.0% of deposits (threshold 30%).
  3. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.05% of loans.

What changed this quarter

Compared to Q4 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -7
  • Reserves
    ↑ +5

The five pillars

Liquidity

StableQoQ +1
62
Sub-score

Liquidity is stable: brokered 32.0%, loans/deposits 69.6%, cash 1.8% of assets.

Cash / Assets
1.77%
Loans / Deposits
69.58%
Brokered %
31.98%

Watch Items

  • infoBrokered deposits above 30% — Brokered 32.0% of deposits (threshold 30%).
  • watchCash / Assets below 3% — Cash 1.77% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 13.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
13.75%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.99%, CET1 16.99%, leverage 13.76%.

Tier 1 RBC
16.99%
CET1
16.99%
Leverage
13.76%
No watch items at this period.

Asset Quality

StrongQoQ -7
86
Sub-score

Asset quality is strong: Adjusted NPL 1.11%, Texas Ratio 4.5%, NCO YTD 1.05%.

Adjusted NPL
1.11%
Govt-guarantees stripped
Texas Ratio
4.5%
NCO YTD
1.05%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.05% of loans.

Reserves

StrongQoQ +5
87
Sub-score

Reserves are strong: ALLL 1.52% of loans, coverage 139.3%, true coverage 139.3%.

ALLL / Loans
1.52%
Coverage
139.3%
True Loss Coverage
139.3%
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 13:19:16 UTC