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Continental Bank

IDRSSD: 3220863
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2025-Q1QoQ +6

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

Quarterly Headline

2025-Q1

Bank #3220863 2025-Q1 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (risk).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 51.7% of deposits (threshold 30%).
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 110.9% (threshold 100%).
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.60% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2024:
↑ +6 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +16
  • Reserves
    ↑ +16

The five pillars

Liquidity

RiskQoQ -3
35
Sub-score

Liquidity is weak: brokered 51.7%, loans/deposits 110.9%, cash 2.6% of assets.

Cash / Assets
2.60%
Loans / Deposits
110.90%
Brokered %
51.74%

Watch Items

  • riskBrokered deposits above 30% — Brokered 51.7% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 110.9% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.60% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.54%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.86%, CET1 15.86%, leverage 14.80%.

Tier 1 RBC
15.86%
CET1
15.86%
Leverage
14.80%
No watch items at this period.

Asset Quality

StrongQoQ +16
86
Sub-score

Asset quality is strong: Adjusted NPL 0.79%, Texas Ratio 4.0%, NCO YTD 0.41%.

Adjusted NPL
0.79%
Govt-guarantees stripped
Texas Ratio
4.0%
NCO YTD
0.41%
30-89 PD
1.64%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +16
100
Sub-score

Reserves are strong: ALLL 2.10% of loans, coverage 273.0%, true coverage 268.0%.

ALLL / Loans
2.10%
Coverage
273.0%
True Loss Coverage
268.0%
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 03:59:23 UTC