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Community Bank

IDRSSD: 361279
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
78
/ 100
StableAs of 2025-Q3QoQ -3

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 #361279 2025-Q3 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.62% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -2

The five pillars

Liquidity

WatchQoQ -2
58
Sub-score

Liquidity is deteriorating: brokered 14.2%, loans/deposits 94.9%, cash 0.6% of assets.

Cash / Assets
0.62%
Loans / Deposits
94.92%
Brokered %
14.21%

Watch Items

  • riskCash / Assets below 3% — Cash 0.62% of assets (threshold 3%).

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

StableQoQ -5
63
Sub-score

Capital position is stable: Tier 1 RBC 10.94%, CET1 10.94%, leverage 8.89%.

Tier 1 RBC
10.94%
CET1
10.94%
Leverage
8.89%
No watch items at this period.

Asset Quality

StrongQoQ -4
95
Sub-score

Asset quality is strong: Adjusted NPL 0.10%, Texas Ratio 0.9%, NCO YTD 0.24%.

Adjusted NPL
0.10%
Govt-guarantees stripped
Texas Ratio
0.9%
NCO YTD
0.24%
30-89 PD
0.90%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -2
79
Sub-score

Reserves are stable: ALLL 0.87% of loans, coverage 878.4%, true coverage 878.4%.

ALLL / Loans
0.87%
Coverage
878.4%
True Loss Coverage
878.4%
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 09:54:52 UTC