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Coulee Bank

IDRSSD: 457752
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
66
/ 100
StableAs of 2025-Q1QoQ -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-Q1

Bank #457752 2025-Q1 Vital Signs Score: 66/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 31.5% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 31.5% (regulatory soft-warning level 50%).
  3. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.40% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↑ 0
  • Reserves
    ↓ 0

The five pillars

Liquidity

StableQoQ -3
61
Sub-score

Liquidity is stable: brokered 6.8%, loans/deposits 100.6%, cash 1.4% of assets.

Cash / Assets
1.40%
Loans / Deposits
100.60%
Brokered %
6.85%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.6% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.40% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.84%
No watch items at this period.

Capitalization

StableQoQ 0
79
Sub-score

Capital position is stable: Tier 1 RBC 12.25%, CET1 12.25%, leverage 9.33%.

Tier 1 RBC
12.25%
CET1
12.25%
Leverage
9.33%
No watch items at this period.

Asset Quality

StableQoQ 0
65
Sub-score

Asset quality is stable: Adjusted NPL 3.49%, Texas Ratio 27.0%, NCO YTD 0.00%.

Adjusted NPL
3.49%
Govt-guarantees stripped
Texas Ratio
27.0%
NCO YTD
0.00%
30-89 PD
1.41%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.49% (govt-guarantees stripped).

Reserves

RiskQoQ 0
20
Sub-score

Reserves are weak: ALLL 1.09% of loans, coverage 31.5%, true coverage 31.5%.

ALLL / Loans
1.09%
Coverage
31.5%
True Loss Coverage
31.5%

Watch Items

  • watchALLL / NPL below 50% — Coverage 31.5% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 31.5% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-12 20:17:43 UTC