Liquidity
StableQoQ +10
72
Sub-score
Liquidity is stable: brokered 16.0%, loans/deposits 93.6%, cash 7.5% of assets.
- Cash / Assets
- 7.46%
- Loans / Deposits
- 93.61%
- Brokered %
- 15.99%
No watch items at this period.
Crown Bank
IDRSSD: 2860271
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2025-Q2
Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
66
/ 100
StableAs of 2025-Q2QoQ -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-Q2
Bank #2860271 2025-Q2 Vital Signs Score: 66/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).
Liquidity:Stable
Securities:Strong
Capitalization:Watch
Asset Quality:Stable
Reserves:Risk
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q1 2025:
↓ -1 ptscomposite
- Liquidity↑ +10
- Securities— —
- Capitalization↑ +1
- Asset Quality↓ -12
- Reserves↓ 0
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 0.0% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 0.00%
SVB watch metric
No watch items at this period.
Capitalization
WatchQoQ +1
47
Sub-score
Capital position is deteriorating: Tier 1 RBC 9.73%, CET1 9.73%, leverage 8.17%.
- Tier 1 RBC
- 9.73%
- CET1
- 9.73%
- Leverage
- 8.17%
No watch items at this period.
Asset Quality
StableQoQ -12
75
Sub-score
Asset quality is stable: Adjusted NPL 1.89%, Texas Ratio 16.4%, NCO YTD 0.00%.
- Adjusted NPL
- 1.89%
- Texas Ratio
- 16.4%
- NCO YTD
- 0.00%
- 30-89 PD
- 2.15%
- 90+ PD
- 0.05%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
RiskQoQ 0
38
Sub-score
Reserves are weak: ALLL 1.15% of loans, coverage 61.5%, true coverage 58.6%.
- ALLL / Loans
- 1.15%
- Coverage
- 61.5%
- True Loss Coverage
- 58.6%
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.tsfor 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 14:02:22 UTC