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Cross River Bank

IDRSSD: 3783313
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
50
/ 100
WatchAs of 2025-Q1QoQ -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-Q1

Bank #3783313 2025-Q1 Vital Signs Score: 50/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 17.0% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 17.0% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Brokered deposits above 30%
    Liquidity — Brokered 51.9% of deposits (threshold 30%).

What changed this quarter

Compared to Q4 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -7
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -1
60
Sub-score

Liquidity is stable: brokered 51.9%, loans/deposits 93.8%.

Cash / Assets
—
Loans / Deposits
93.82%
Brokered %
51.88%

Watch Items

  • riskBrokered deposits above 30% — Brokered 51.9% of deposits (threshold 30%).

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

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 12.39%.

Tier 1 RBC
—
CET1
0.00%
Leverage
12.39%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

RiskQoQ -7
22
Sub-score

Asset quality is weak: Adjusted NPL 10.59%, Texas Ratio 56.0%, NCO YTD 1.80%.

Adjusted NPL
10.59%
Govt-guarantees stripped
Texas Ratio
56.0%
NCO YTD
1.80%
30-89 PD
1.00%
Band 0.3% / 3.0%
90+ PD
7.98%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 10.59% (govt-guarantees stripped).
  • infoTexas Ratio above 50% — Texas Ratio 56.0% (industry watch band 50% / risk band 100%).
  • risk90+ days past due elevated — 90+ PD 7.98%.
  • watchNet charge-offs elevated — NCO YTD 1.80% of loans.

Reserves

Risk
33
Sub-score

Reserves are weak: ALLL 1.77% of loans, coverage 17.0%, true coverage 17.0%.

ALLL / Loans
1.77%
Coverage
17.0%
True Loss Coverage
17.0%

Watch Items

  • riskALLL / NPL below 50% — Coverage 17.0% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 17.0% (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: 2026-05-14 08:53:00 UTC