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Delta Bank

IDRSSD: 975256
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
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
65
/ 100
StableAs of 2025-Q1QoQ -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-Q1

Bank #975256 2025-Q1 Vital Signs Score: 65/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 45.0% (Adjusted NPL + Performing Mods denominator).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 49.7% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +8
  • Securities
    ↑ +4
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -17

The five pillars

Liquidity

StrongQoQ +8
81
Sub-score

Liquidity is strong: brokered 5.8%, loans/deposits 80.2%, cash 5.6% of assets.

Cash / Assets
5.55%
Loans / Deposits
80.20%
Brokered %
5.76%
No watch items at this period.

Securities

StrongQoQ +4
100
Sub-score

Securities profile is strong: securities 18.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
18.19%
No watch items at this period.

Capitalization

WatchQoQ +2
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 10.03%.

Tier 1 RBC
—
CET1
0.00%
Leverage
10.03%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ -7
78
Sub-score

Asset quality is stable: Adjusted NPL 1.31%, Texas Ratio 9.3%, NCO YTD 0.06%.

Adjusted NPL
1.31%
Govt-guarantees stripped
Texas Ratio
9.3%
NCO YTD
0.06%
30-89 PD
2.01%
Band 0.3% / 3.0%
90+ PD
0.59%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -17
12
Sub-score

Reserves are weak: ALLL 0.65% of loans, coverage 49.7%, true coverage 45.0%.

ALLL / Loans
0.65%
Coverage
49.7%
True Loss Coverage
45.0%

Watch Items

  • infoALLL / NPL below 50% — Coverage 49.7% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 45.0% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.65% of loans.

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 04:06:13 UTC