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Cypress Bank Ssb

IDRSSD: 729178
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2026-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

2026-Q1

Bank #729178 2026-Q1 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 38.5% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 38.7% (regulatory soft-warning level 50%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.35% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -6

The five pillars

Liquidity

StrongQoQ +2
87
Sub-score

Liquidity is strong: brokered 0.3%, loans/deposits 75.4%, cash 5.2% of assets.

Cash / Assets
5.21%
Loans / Deposits
75.37%
Brokered %
0.26%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 17.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
17.46%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 20.87%, CET1 20.87%, leverage 11.87%.

Tier 1 RBC
20.87%
CET1
20.87%
Leverage
11.87%
No watch items at this period.

Asset Quality

StableQoQ -4
75
Sub-score

Asset quality is stable: Adjusted NPL 2.35%, Texas Ratio 11.5%, NCO YTD 0.00%.

Adjusted NPL
2.35%
Govt-guarantees stripped
Texas Ratio
11.5%
NCO YTD
0.00%
30-89 PD
1.76%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.35% (govt-guarantees stripped).

Reserves

RiskQoQ -6
17
Sub-score

Reserves are weak: ALLL 0.90% of loans, coverage 38.7%, true coverage 38.5%.

ALLL / Loans
0.90%
Coverage
38.7%
True Loss Coverage
38.5%

Watch Items

  • watchALLL / NPL below 50% — Coverage 38.7% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 38.5% (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