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Crescent Bank

IDRSSD: 1885932
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q3QoQ +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-Q3

Bank #1885932 2025-Q3 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 11.60% of loans.
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.73% (govt-guarantees stripped).
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 2.08%.

What changed this quarter

Compared to Q2 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ +12
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -7
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +12
90
Sub-score

Liquidity is strong: brokered 2.9%, loans/deposits 86.0%, cash 10.0% of assets.

Cash / Assets
10.04%
Loans / Deposits
86.00%
Brokered %
2.89%
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 +3
100
Sub-score

Capital position is strong: Tier 1 RBC 14.92%, CET1 14.92%, leverage 12.66%.

Tier 1 RBC
14.92%
CET1
14.92%
Leverage
12.66%
No watch items at this period.

Asset Quality

RiskQoQ -7
23
Sub-score

Asset quality is weak: Adjusted NPL 3.73%, Texas Ratio 13.8%, NCO YTD 11.60%.

Adjusted NPL
3.73%
Govt-guarantees stripped
Texas Ratio
13.8%
NCO YTD
11.60%
30-89 PD
22.91%
Band 0.3% / 3.0%
90+ PD
2.08%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.73% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.08%.
  • riskNet charge-offs elevated — NCO YTD 11.60% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 9.08% of loans, coverage 267.9%, true coverage 252.2%.

ALLL / Loans
9.08%
Coverage
267.9%
True Loss Coverage
252.2%
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