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Crescent Bank

IDRSSD: 1885932
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
77
/ 100
StableAs of 2025-Q4QoQ -2

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 #1885932 2025-Q4 Vital Signs Score: 77/100 — 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 13.23% of loans.
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.20% (govt-guarantees stripped).
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 2.37%.

What changed this quarter

Compared to Q3 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -3
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -7
83
Sub-score

Liquidity is strong: brokered 3.0%, loans/deposits 83.6%, cash 6.5% of assets.

Cash / Assets
6.46%
Loans / Deposits
83.62%
Brokered %
2.98%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.72%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.49%, CET1 15.49%, leverage 13.16%.

Tier 1 RBC
15.49%
CET1
15.49%
Leverage
13.16%
No watch items at this period.

Asset Quality

RiskQoQ -3
20
Sub-score

Asset quality is weak: Adjusted NPL 4.20%, Texas Ratio 15.2%, NCO YTD 13.23%.

Adjusted NPL
4.20%
Govt-guarantees stripped
Texas Ratio
15.2%
NCO YTD
13.23%
30-89 PD
23.23%
Band 0.3% / 3.0%
90+ PD
2.37%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.20% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.37%.
  • riskNet charge-offs elevated — NCO YTD 13.23% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 8.30% of loans, coverage 215.3%, true coverage 202.3%.

ALLL / Loans
8.30%
Coverage
215.3%
True Loss Coverage
202.3%
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.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