Liquidity
StrongQoQ +7
90
Sub-score
Liquidity is strong: brokered 3.4%, loans/deposits 64.0%, cash 6.6% of assets.
- Cash / Assets
- 6.59%
- Loans / Deposits
- 64.00%
- Brokered %
- 3.39%
No watch items at this period.
Devon Bank
IDRSSD: 347639
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2025-Q3
Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
77
/ 100
StableAs of 2025-Q3QoQ +3
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2025-Q3
Bank #347639 2025-Q3 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Capitalization (watch).
Liquidity:Strong
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Stable
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q2 2025:
↑ +3 ptscomposite
- Liquidity↑ +7
- Securities↑ +1
- Capitalization↑ +4
- Asset Quality↓ 0
- Reserves↑ +5
The five pillars
Securities
StrongQoQ +1
92
Sub-score
Securities profile is strong: securities 22.3% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 22.33%
SVB watch metric
No watch items at this period.
Capitalization
WatchQoQ +4
40
Sub-score
Capital position is deteriorating: Tier 1 RBC 10.02%, CET1 10.02%, leverage 5.98%.
- Tier 1 RBC
- 10.02%
- CET1
- 10.02%
- Leverage
- 5.98%
No watch items at this period.
Asset Quality
StrongQoQ 0
100
Sub-score
Asset quality is strong: Adjusted NPL 0.19%, Texas Ratio 1.2%, NCO YTD -0.02%.
- Adjusted NPL
- 0.19%
- Texas Ratio
- 1.2%
- NCO YTD
- -0.02%
- 30-89 PD
- 0.31%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StableQoQ +5
69
Sub-score
Reserves are stable: ALLL 1.11% of loans, coverage 599.5%, true coverage 62.8%.
- ALLL / Loans
- 1.11%
- Coverage
- 599.5%
- True Loss Coverage
- 62.8%
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: 2026-05-15 01:46:59 UTC