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Continental Bank

IDRSSD: 3220863
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
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 +1

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 #3220863 2025-Q4 Vital Signs Score: 79/100 — 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
    Net charge-offs elevated
    Asset Quality — NCO YTD 3.36% of loans.
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.41% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -4
  • Reserves
    ↑ +6

The five pillars

Liquidity

WatchQoQ +7
54
Sub-score

Liquidity is deteriorating: brokered 15.0%, loans/deposits 98.7%, cash 1.4% of assets.

Cash / Assets
1.41%
Loans / Deposits
98.66%
Brokered %
15.04%

Watch Items

  • watchCash / Assets below 3% — Cash 1.41% 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 18.01%, CET1 18.01%, leverage 14.56%.

Tier 1 RBC
18.01%
CET1
18.01%
Leverage
14.56%
No watch items at this period.

Asset Quality

StableQoQ -4
61
Sub-score

Asset quality is stable: Adjusted NPL 1.08%, Texas Ratio 5.1%, NCO YTD 3.36%.

Adjusted NPL
1.08%
Govt-guarantees stripped
Texas Ratio
5.1%
NCO YTD
3.36%
30-89 PD
3.34%
Band 0.3% / 3.0%
90+ PD
0.11%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 3.36% of loans.

Reserves

StrongQoQ +6
88
Sub-score

Reserves are strong: ALLL 1.85% of loans, coverage 173.5%, true coverage 88.1%.

ALLL / Loans
1.85%
Coverage
173.5%
True Loss Coverage
88.1%
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