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IDRSSD: 2354985
Total Assets
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Latest filing
Total Deposits
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Net Interest Margin
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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
86
/ 100
StrongAs of 2025-Q1QoQ -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-Q1

Bank #2354985 2025-Q1 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Brokered deposits above 30%
    Liquidity — Brokered 34.8% of deposits (threshold 30%).

What changed this quarter

Compared to Q4 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +4

The five pillars

Liquidity

StableQoQ -1
76
Sub-score

Liquidity is stable: brokered 34.8%, loans/deposits 78.2%, cash 15.3% of assets.

Cash / Assets
15.30%
Loans / Deposits
78.17%
Brokered %
34.77%

Watch Items

  • infoBrokered deposits above 30% — Brokered 34.8% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.19%
No watch items at this period.

Capitalization

StableQoQ -6
78
Sub-score

Capital position is stable: Tier 1 RBC 12.40%, CET1 12.40%, leverage 8.43%.

Tier 1 RBC
12.40%
CET1
12.40%
Leverage
8.43%
No watch items at this period.

Asset Quality

StrongQoQ +2
96
Sub-score

Asset quality is strong: Adjusted NPL 0.39%, Texas Ratio 2.9%, NCO YTD 0.46%.

Adjusted NPL
0.39%
Govt-guarantees stripped
Texas Ratio
2.9%
NCO YTD
0.46%
30-89 PD
0.40%
Band 0.3% / 3.0%
90+ PD
0.10%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +4
81
Sub-score

Reserves are strong: ALLL 0.93% of loans, coverage 243.3%, true coverage 186.3%.

ALLL / Loans
0.93%
Coverage
243.3%
True Loss Coverage
186.3%
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 16:18:29 UTC