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IDRSSD: 2354985
Total Assets
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Latest filing
Total Deposits
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Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2025-Q3QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q3

Bank #2354985 2025-Q3 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Brokered deposits above 30%
    Liquidity — Brokered 31.1% of deposits (threshold 30%).

What changed this quarter

Compared to Q2 2025:
↑ 0 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ +1
76
Sub-score

Liquidity is stable: brokered 31.1%, loans/deposits 78.3%, cash 17.3% of assets.

Cash / Assets
17.33%
Loans / Deposits
78.32%
Brokered %
31.05%

Watch Items

  • infoBrokered deposits above 30% — Brokered 31.1% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.30%
No watch items at this period.

Capitalization

StrongQoQ +1
87
Sub-score

Capital position is strong: Tier 1 RBC 13.22%, CET1 13.22%, leverage 8.83%.

Tier 1 RBC
13.22%
CET1
13.22%
Leverage
8.83%
No watch items at this period.

Asset Quality

StrongQoQ 0
97
Sub-score

Asset quality is strong: Adjusted NPL 0.20%, Texas Ratio 1.4%, NCO YTD 0.39%.

Adjusted NPL
0.20%
Govt-guarantees stripped
Texas Ratio
1.4%
NCO YTD
0.39%
30-89 PD
0.20%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -1
81
Sub-score

Reserves are strong: ALLL 0.93% of loans, coverage 467.9%, true coverage 373.4%.

ALLL / Loans
0.93%
Coverage
467.9%
True Loss Coverage
373.4%
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