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Cypress Bank Ssb

IDRSSD: 729178
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
83
/ 100
StrongAs of 2025-Q2QoQ +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-Q2

Bank #729178 2025-Q2 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 48.7% (Adjusted NPL + Performing Mods denominator).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 49.2% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q1 2025:
↑ +2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +5
  • Reserves
    ↑ +4

The five pillars

Liquidity

StrongQoQ +1
97
Sub-score

Liquidity is strong: brokered 0.4%, loans/deposits 74.5%, cash 9.6% of assets.

Cash / Assets
9.58%
Loans / Deposits
74.48%
Brokered %
0.40%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 18.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
18.12%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 19.60%, CET1 19.60%, leverage 11.33%.

Tier 1 RBC
19.60%
CET1
19.60%
Leverage
11.33%
No watch items at this period.

Asset Quality

StableQoQ +5
79
Sub-score

Asset quality is stable: Adjusted NPL 1.96%, Texas Ratio 9.9%, NCO YTD 0.06%.

Adjusted NPL
1.96%
Govt-guarantees stripped
Texas Ratio
9.9%
NCO YTD
0.06%
30-89 PD
1.60%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +4
24
Sub-score

Reserves are weak: ALLL 0.95% of loans, coverage 49.2%, true coverage 48.7%.

ALLL / Loans
0.95%
Coverage
49.2%
True Loss Coverage
48.7%

Watch Items

  • infoALLL / NPL below 50% — Coverage 49.2% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 48.7% (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: 2026-05-13 10:06:36 UTC