Liquidity
StrongQoQ +6
83
Sub-score
Liquidity is strong: brokered 1.2%, loans/deposits 78.4%, cash 4.4% of assets.
- Cash / Assets
- 4.43%
- Loans / Deposits
- 78.38%
- Brokered %
- 1.16%
No watch items at this period.
Cornerstone Bank
IDRSSD: 879457
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
84
/ 100
StrongAs of 2025-Q4QoQ 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-Q4
Bank #879457 2025-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).
Liquidity:Strong
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Strong
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q3 2025:
↑ 0 ptscomposite
- Liquidity↑ +6
- Securities— —
- Capitalization↑ +6
- Asset Quality↓ -2
- Reserves↓ -11
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 0.2% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 0.17%
SVB watch metric
No watch items at this period.
Capitalization
StableQoQ +6
68
Sub-score
Capital position is stable: Tier 1 RBC 11.33%, CET1 11.33%, leverage 9.01%.
- Tier 1 RBC
- 11.33%
- CET1
- 11.33%
- Leverage
- 9.01%
No watch items at this period.
Asset Quality
StrongQoQ -2
92
Sub-score
Asset quality is strong: Adjusted NPL 1.06%, Texas Ratio 7.3%, NCO YTD -0.02%.
- Adjusted NPL
- 1.06%
- Texas Ratio
- 7.3%
- NCO YTD
- -0.02%
- 30-89 PD
- 0.74%
- 90+ PD
- 0.01%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ -11
83
Sub-score
Reserves are strong: ALLL 1.41% of loans, coverage 135.1%, true coverage 118.3%.
- ALLL / Loans
- 1.41%
- Coverage
- 135.1%
- True Loss Coverage
- 118.3%
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.tsfor 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 14:47:50 UTC