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Continental Bank

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

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2025-Q2QoQ 0

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

Quarterly Headline

2025-Q2

Bank #3220863 2025-Q2 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.50% of assets (threshold 3%).
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 108.2% (threshold 100%).
  3. info
    Brokered deposits above 30%
    Liquidity — Brokered 34.7% of deposits (threshold 30%).

What changed this quarter

Compared to Q1 2025:
↑ 0 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -10

The five pillars

Liquidity

WatchQoQ +6
41
Sub-score

Liquidity is deteriorating: brokered 34.7%, loans/deposits 108.2%, cash 0.5% of assets.

Cash / Assets
0.50%
Loans / Deposits
108.22%
Brokered %
34.66%

Watch Items

  • infoBrokered deposits above 30% — Brokered 34.7% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 108.2% (threshold 100%).
  • riskCash / Assets below 3% — Cash 0.50% 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
0.52%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.05%, CET1 16.05%, leverage 13.94%.

Tier 1 RBC
16.05%
CET1
16.05%
Leverage
13.94%
No watch items at this period.

Asset Quality

StrongQoQ +1
88
Sub-score

Asset quality is strong: Adjusted NPL 1.43%, Texas Ratio 7.2%, NCO YTD 0.17%.

Adjusted NPL
1.43%
Govt-guarantees stripped
Texas Ratio
7.2%
NCO YTD
0.17%
30-89 PD
0.92%
Band 0.3% / 3.0%
90+ PD
0.06%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -10
90
Sub-score

Reserves are strong: ALLL 2.14% of loans, coverage 153.5%, true coverage 152.0%.

ALLL / Loans
2.14%
Coverage
153.5%
True Loss Coverage
152.0%
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