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Coulee Bank

IDRSSD: 457752
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
67
/ 100
StableAs of 2025-Q2QoQ +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-Q2

Bank #457752 2025-Q2 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.50% (govt-guarantees stripped).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.74% of assets (threshold 3%).
  3. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 103.5% (threshold 100%).

What changed this quarter

Compared to Q1 2025:
↑ +1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -16
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ +32

The five pillars

Liquidity

WatchQoQ -1
60
Sub-score

Liquidity is deteriorating: brokered 7.5%, loans/deposits 103.5%, cash 1.7% of assets.

Cash / Assets
1.74%
Loans / Deposits
103.45%
Brokered %
7.49%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.5% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.74% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.31%
No watch items at this period.

Capitalization

StableQoQ -16
63
Sub-score

Capital position is stable: Tier 1 RBC 11.04%, CET1 11.04%, leverage 8.57%.

Tier 1 RBC
11.04%
CET1
11.04%
Leverage
8.57%
No watch items at this period.

Asset Quality

StableQoQ 0
65
Sub-score

Asset quality is stable: Adjusted NPL 3.50%, Texas Ratio 26.9%, NCO YTD 0.21%.

Adjusted NPL
3.50%
Govt-guarantees stripped
Texas Ratio
26.9%
NCO YTD
0.21%
30-89 PD
1.20%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.50% (govt-guarantees stripped).

Reserves

WatchQoQ +32
52
Sub-score

Reserves are deteriorating: ALLL 2.16% of loans, coverage 63.2%, true coverage 63.1%.

ALLL / Loans
2.16%
Coverage
63.2%
True Loss Coverage
63.1%
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: 2026-05-12 20:17:43 UTC