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Concorde Bank

IDRSSD: 273653
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
81
/ 100
StrongAs of 2025-Q3QoQ +4

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 #273653 2025-Q3 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.74%.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.77% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↑ +4 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +10
  • Reserves
    ↑ +8

The five pillars

Liquidity

StrongQoQ 0
87
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 95.1%, cash 10.0% of assets.

Cash / Assets
10.01%
Loans / Deposits
95.12%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.25%
No watch items at this period.

Capitalization

StrongQoQ +3
99
Sub-score

Capital position is strong: Tier 1 RBC 14.39%, CET1 14.39%, leverage 10.78%.

Tier 1 RBC
14.39%
CET1
14.39%
Leverage
10.78%
No watch items at this period.

Asset Quality

WatchQoQ +10
60
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.77%, Texas Ratio 18.0%, NCO YTD 0.08%.

Adjusted NPL
2.77%
Govt-guarantees stripped
Texas Ratio
18.0%
NCO YTD
0.08%
30-89 PD
1.10%
Band 0.3% / 3.0%
90+ PD
1.74%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.77% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.74%.

Reserves

WatchQoQ +8
58
Sub-score

Reserves are deteriorating: ALLL 2.09% of loans, coverage 76.9%, true coverage 68.7%.

ALLL / Loans
2.09%
Coverage
76.9%
True Loss Coverage
68.7%
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: 2026-05-15 00:42:13 UTC