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Crescent Bank

IDRSSD: 1885932
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
76
/ 100
StableAs of 2025-Q1QoQ +4

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 #1885932 2025-Q1 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 11.44% of loans.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.89% (govt-guarantees stripped).
  3. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.35%.

What changed this quarter

Compared to Q4 2024:
↑ +4 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↑ +13
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +1
77
Sub-score

Liquidity is stable: brokered 2.7%, loans/deposits 90.4%, cash 5.1% of assets.

Cash / Assets
5.12%
Loans / Deposits
90.42%
Brokered %
2.69%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ +4
87
Sub-score

Capital position is strong: Tier 1 RBC 12.69%, CET1 12.69%, leverage 10.99%.

Tier 1 RBC
12.69%
CET1
12.69%
Leverage
10.99%
No watch items at this period.

Asset Quality

RiskQoQ +13
36
Sub-score

Asset quality is weak: Adjusted NPL 2.89%, Texas Ratio 11.4%, NCO YTD 11.44%.

Adjusted NPL
2.89%
Govt-guarantees stripped
Texas Ratio
11.4%
NCO YTD
11.44%
30-89 PD
19.55%
Band 0.3% / 3.0%
90+ PD
1.35%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.89% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.35%.
  • riskNet charge-offs elevated — NCO YTD 11.44% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 10.01% of loans, coverage 384.6%, true coverage 364.4%.

ALLL / Loans
10.01%
Coverage
384.6%
True Loss Coverage
364.4%
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: 2026-05-13 11:28:07 UTC