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Community Bank

IDRSSD: 675042
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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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
79
/ 100
StableAs of 2025-Q4QoQ -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-Q4

Bank #675042 2025-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.12%.

What changed this quarter

Compared to Q3 2025:
↓ -3 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -16
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ +7
84
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 76.3%, cash 4.4% of assets.

Cash / Assets
4.41%
Loans / Deposits
76.34%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.56%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.58%, CET1 15.58%, leverage 11.04%.

Tier 1 RBC
15.58%
CET1
15.58%
Leverage
11.04%
No watch items at this period.

Asset Quality

StableQoQ -16
70
Sub-score

Asset quality is stable: Adjusted NPL 1.12%, Texas Ratio 6.5%, NCO YTD 0.00%.

Adjusted NPL
1.12%
Govt-guarantees stripped
Texas Ratio
6.5%
NCO YTD
0.00%
30-89 PD
2.76%
Band 0.3% / 3.0%
90+ PD
1.12%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.12%.

Reserves

RiskQoQ -1
29
Sub-score

Reserves are weak: ALLL 0.88% of loans, coverage 79.9%, true coverage 50.4%.

ALLL / Loans
0.88%
Coverage
79.9%
True Loss Coverage
50.4%
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: 2026-05-14 19:37:26 UTC