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Commercial Bank

IDRSSD: 42457
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
74
/ 100
StableAs of 2025-Q4QoQ -14

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 #42457 2025-Q4 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    Brokered deposits above 30%
    Liquidity — Brokered 34.1% of deposits (threshold 30%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.43% of assets (threshold 3%).
  3. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.44% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -14 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -25
  • Reserves
    ↓ -53

The five pillars

Liquidity

WatchQoQ +2
58
Sub-score

Liquidity is deteriorating: brokered 34.1%, loans/deposits 80.8%, cash 2.4% of assets.

Cash / Assets
2.43%
Loans / Deposits
80.77%
Brokered %
34.11%

Watch Items

  • infoBrokered deposits above 30% — Brokered 34.1% of deposits (threshold 30%).
  • infoCash / Assets below 3% — Cash 2.43% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 12.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
12.31%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.39%, CET1 17.39%, leverage 14.62%.

Tier 1 RBC
17.39%
CET1
17.39%
Leverage
14.62%
No watch items at this period.

Asset Quality

StableQoQ -25
70
Sub-score

Asset quality is stable: Adjusted NPL 2.05%, Texas Ratio 9.4%, NCO YTD 1.44%.

Adjusted NPL
2.05%
Govt-guarantees stripped
Texas Ratio
9.4%
NCO YTD
1.44%
30-89 PD
1.09%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.05% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.44% of loans.

Reserves

RiskQoQ -53
33
Sub-score

Reserves are weak: ALLL 1.11% of loans, coverage 54.7%, true coverage 54.7%.

ALLL / Loans
1.11%
Coverage
54.7%
True Loss Coverage
54.7%
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 13:19:16 UTC