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Community Bank

IDRSSD: 250850
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
62
/ 100
StableAs of 2025-Q3QoQ -7

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q3

Bank #250850 2025-Q3 Vital Signs Score: 62/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (risk).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 3.85% of loans.
  2. info
    Tier 1 RBC below 8%
    Capitalization — Tier 1 RBC 7.44% (PCA threshold 8%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.11% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↓ -7 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    — —
  • Capitalization
    ↓ -28
  • Asset Quality
    ↓ -19
  • Reserves
    ↑ +18

The five pillars

Liquidity

StrongQoQ +9
87
Sub-score

Liquidity is strong: brokered 7.0%, loans/deposits 43.7%, cash 6.0% of assets.

Cash / Assets
6.03%
Loans / Deposits
43.68%
Brokered %
6.99%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

RiskQoQ -28
22
Sub-score

Capital position is weak: Tier 1 RBC 7.44%, CET1 7.44%, leverage 7.67%.

Tier 1 RBC
7.44%
CET1
7.44%
Leverage
7.67%

Watch Items

  • infoTier 1 RBC below 8% — Tier 1 RBC 7.44% (PCA threshold 8%).

Asset Quality

WatchQoQ -19
56
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.11%, Texas Ratio 9.7%, NCO YTD 3.85%.

Adjusted NPL
2.11%
Govt-guarantees stripped
Texas Ratio
9.7%
NCO YTD
3.85%
30-89 PD
2.45%
Band 0.3% / 3.0%
90+ PD
0.10%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.11% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 3.85% of loans.

Reserves

StableQoQ +18
64
Sub-score

Reserves are stable: ALLL 1.67% of loans, coverage 80.4%, true coverage 80.4%.

ALLL / Loans
1.67%
Coverage
80.4%
True Loss Coverage
80.4%
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: 2026-05-13 03:50:58 UTC