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Continental Bank

IDRSSD: 3220863
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 -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-Q3

Bank #3220863 2025-Q3 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.79% of assets (threshold 3%).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 103.3% (threshold 100%).
  3. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.19% of loans.

What changed this quarter

Compared to Q2 2025:
↓ -6 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -22
  • Reserves
    ↓ -8

The five pillars

Liquidity

WatchQoQ +6
47
Sub-score

Liquidity is deteriorating: brokered 25.0%, loans/deposits 103.3%, cash 0.8% of assets.

Cash / Assets
0.79%
Loans / Deposits
103.26%
Brokered %
25.02%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.3% (threshold 100%).
  • riskCash / Assets below 3% — Cash 0.79% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.94%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.39%, CET1 17.39%, leverage 14.32%.

Tier 1 RBC
17.39%
CET1
17.39%
Leverage
14.32%
No watch items at this period.

Asset Quality

StableQoQ -22
65
Sub-score

Asset quality is stable: Adjusted NPL 1.86%, Texas Ratio 8.8%, NCO YTD 1.19%.

Adjusted NPL
1.86%
Govt-guarantees stripped
Texas Ratio
8.8%
NCO YTD
1.19%
30-89 PD
2.19%
Band 0.3% / 3.0%
90+ PD
0.34%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.19% of loans.

Reserves

StrongQoQ -8
82
Sub-score

Reserves are strong: ALLL 2.17% of loans, coverage 119.7%, true coverage 104.6%.

ALLL / Loans
2.17%
Coverage
119.7%
True Loss Coverage
104.6%
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