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Community Bank National Association

IDRSSD: 202907
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
82
/ 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 #202907 2025-Q4 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Asset Quality (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.63% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    ↑ +1
  • Capitalization
    ↓ -6
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ +1
79
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 74.6%, cash 1.6% of assets.

Cash / Assets
1.63%
Loans / Deposits
74.64%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.63% of assets (threshold 3%).

Securities

StrongQoQ +1
96
Sub-score

Securities profile is strong: securities 21.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
21.11%
No watch items at this period.

Capitalization

StableQoQ -6
68
Sub-score

Capital position is stable: Tier 1 RBC 12.02%, CET1 12.02%, leverage 7.51%.

Tier 1 RBC
12.02%
CET1
12.02%
Leverage
7.51%
No watch items at this period.

Asset Quality

StrongQoQ -1
98
Sub-score

Asset quality is strong: Adjusted NPL 0.52%, Texas Ratio 4.1%, NCO YTD 0.11%.

Adjusted NPL
0.52%
Govt-guarantees stripped
Texas Ratio
4.1%
NCO YTD
0.11%
30-89 PD
0.59%
Band 0.3% / 3.0%
90+ PD
0.06%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +1
67
Sub-score

Reserves are stable: ALLL 0.81% of loans, coverage 156.5%, true coverage 150.2%.

ALLL / Loans
0.81%
Coverage
156.5%
True Loss Coverage
150.2%
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 13:57:31 UTC