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IDRSSD: 30810
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Vital Signs Report

5-pillar quarterly review (Liquidity, Securities, Capitalization, Asset Quality, Reserves) for 2025-Q1. Composite Vital Signs Score and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2025-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

2025-Q1

Bank #30810 2025-Q1 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Reserves (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 4.89% of loans.
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.70%.

What changed this quarter

Compared to Q4 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ +2
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +3
73
Sub-score

Liquidity is stable: brokered 12.9%, loans/deposits 95.6%.

Cash / Assets
—
Loans / Deposits
95.64%
Brokered %
12.94%
No watch items at this period.

Securities

Unknown
—
Sub-score

Insufficient data to compute a narrative for this pillar.

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

Capitalization

WatchQoQ -2
60
Sub-score

Capital position is deteriorating: Tier 1 RBC 11.91%, CET1 0.00%, leverage 9.71%.

Tier 1 RBC
11.91%
CET1
0.00%
Leverage
9.71%

Watch Items

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

Asset Quality

WatchQoQ +2
48
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.01%, Texas Ratio 9.8%, NCO YTD 4.89%.

Adjusted NPL
2.01%
Govt-guarantees stripped
Texas Ratio
9.8%
NCO YTD
4.89%
30-89 PD
1.70%
Band 0.3% / 3.0%
90+ PD
1.70%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.01% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.70%.
  • riskNet charge-offs elevated — NCO YTD 4.89% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 6.91% of loans, coverage 369.7%, true coverage 116.0%.

ALLL / Loans
6.91%
Coverage
369.7%
True Loss Coverage
116.0%
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%. Pillars with no available metrics are dropped from the denominator (renormalised). See functions/src/vitalSignsScore.ts for exact formula and sub-score band anchors.
Pillar status
Strong ≥ 80, Stable ≥ 60, Watch ≥ 40, Risk < 40. Bands are scoring buckets, NOT regulatory thresholds.
Watch Items
Per-pillar rule trips with severity (Risk / Watch / Info) assigned by how far the metric breaches its threshold. Top-3 panel ranks across pillars: severity dominates, magnitude breaks ties.
Adjusted NPL
Noncurrent loans minus government-guaranteed nonaccrual (sourced from FFIEC Schedule RC-N Memorandum item 2). Strips out exposure with implicit US government backing, the same formula used by the Loan Restructuring Watch builder.
True Loss Coverage Ratio
ALLL ÷ (Adjusted NPL + Performing Mods). Surfaces under-reservation that conventional ALLL/NPL hides when banks aggressively modify rather than charge off.
Past-due 30-89 / 90+ PD
Bank-wide totals from FFIEC Schedule RC-N (30-89 days past due and 90+ days past due still accruing) divided by total loans and leases (net of unearned income). Score bands: 30-89 PD Good 0.3% / Bad 3.0%; 90+ PD Good 0.1% / Bad 2.0%.
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, Watch Item rules, and per-quarter URL surface are Visbanking's own work.

Generated: 2026-05-15 03:49:33 UTC