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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
60
/ 100
WatchAs of 2025-Q4QoQ -5

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 #3783313 2025-Q4 Vital Signs Score: 60/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 29.1% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Brokered deposits above 30%
    Liquidity — Brokered 36.5% of deposits (threshold 30%).

What changed this quarter

Compared to Q3 2025:
↓ -5 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -30

The five pillars

Liquidity

StableQoQ +1
66
Sub-score

Liquidity is stable: brokered 36.5%, loans/deposits 83.8%.

Cash / Assets
—
Loans / Deposits
83.78%
Brokered %
36.46%

Watch Items

  • watchBrokered deposits above 30% — Brokered 36.5% 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 13.48%.

Tier 1 RBC
—
CET1
0.00%
Leverage
13.48%

Watch Items

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

Asset Quality

WatchQoQ -3
55
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.93%, Texas Ratio 21.7%, NCO YTD 0.39%.

Adjusted NPL
4.93%
Govt-guarantees stripped
Texas Ratio
21.7%
NCO YTD
0.39%
30-89 PD
1.38%
Band 0.3% / 3.0%
90+ PD
0.16%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.93% (govt-guarantees stripped).

Reserves

RiskQoQ -30
33
Sub-score

Reserves are weak: ALLL 2.23% of loans, coverage 46.2%, true coverage 29.1%.

ALLL / Loans
2.23%
Coverage
46.2%
True Loss Coverage
29.1%

Watch Items

  • infoALLL / NPL below 50% — Coverage 46.2% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 29.1% (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