Liquidity
StrongQoQ +2
81
Sub-score
Liquidity is strong: brokered 5.6%, loans/deposits 79.3%, cash 5.2% of assets.
- Cash / Assets
- 5.16%
- Loans / Deposits
- 79.31%
- Brokered %
- 5.58%
No watch items at this period.
Delta Bank
IDRSSD: 975256
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
71
/ 100
StableAs of 2026-Q1QoQ +11
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 #975256 2026-Q1 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).
Liquidity:Strong
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Risk
Top 3 Watch Items
- riskCET1 below 7%Capitalization — CET1 0.00% (threshold 7%).
What changed this quarter
Compared to Q4 2025:
↑ +11 ptscomposite
- Liquidity↑ +2
- Securities— —
- Capitalization↓ -1
- Asset Quality↑ +27
- Reserves↑ +23
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 16.4% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 16.40%
SVB watch metric
No watch items at this period.
Capitalization
WatchQoQ -1
49
Sub-score
Capital position is deteriorating: CET1 0.00%, leverage 9.92%.
- Tier 1 RBC
- —
- CET1
- 0.00%
- Leverage
- 9.92%
Watch Items
- riskCET1 below 7% — CET1 0.00% (threshold 7%).
Asset Quality
StrongQoQ +27
89
Sub-score
Asset quality is strong: Adjusted NPL 1.01%, Texas Ratio 6.9%, NCO YTD -0.01%.
- Adjusted NPL
- 1.01%
- Texas Ratio
- 6.9%
- NCO YTD
- -0.01%
- 30-89 PD
- 1.17%
- 90+ PD
- 0.24%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
RiskQoQ +23
33
Sub-score
Reserves are weak: ALLL 0.76% of loans, coverage 75.9%, true coverage 69.3%.
- ALLL / Loans
- 0.76%
- Coverage
- 75.9%
- True Loss Coverage
- 69.3%
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.tsfor 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