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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-Q4

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

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2025-Q4QoQ 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-Q4

Bank #729178 2025-Q4 Vital Signs Score: 80/100 — 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 49.9% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +4
  • Reserves
    ↓ 0

The five pillars

Liquidity

StrongQoQ -7
84
Sub-score

Liquidity is strong: brokered 0.3%, loans/deposits 74.0%, cash 3.8% of assets.

Cash / Assets
3.84%
Loans / Deposits
74.02%
Brokered %
0.27%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 18.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
18.16%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 20.45%, CET1 20.45%, leverage 11.63%.

Tier 1 RBC
20.45%
CET1
20.45%
Leverage
11.63%
No watch items at this period.

Asset Quality

StableQoQ +4
79
Sub-score

Asset quality is stable: Adjusted NPL 1.83%, Texas Ratio 8.9%, NCO YTD 0.06%.

Adjusted NPL
1.83%
Govt-guarantees stripped
Texas Ratio
8.9%
NCO YTD
0.06%
30-89 PD
1.83%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ 0
24
Sub-score

Reserves are weak: ALLL 0.92% of loans, coverage 50.7%, true coverage 49.9%.

ALLL / Loans
0.92%
Coverage
50.7%
True Loss Coverage
49.9%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.9% (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