Visbanking Logo
Skip to main content

Dnb National Bank

IDRSSD: 401559
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2025-Q4QoQ +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-Q4

Bank #401559 2025-Q4 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Asset Quality (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.89% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↑ +1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    ↑ +4
  • Capitalization
    ↓ 0
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +3

The five pillars

Liquidity

StableQoQ -1
80
Sub-score

Liquidity is stable: brokered 3.0%, loans/deposits 29.8%, cash 1.9% of assets.

Cash / Assets
1.89%
Loans / Deposits
29.85%
Brokered %
3.04%

Watch Items

  • watchCash / Assets below 3% — Cash 1.89% of assets (threshold 3%).

Securities

RiskQoQ +4
10
Sub-score

Securities profile is weak: securities 47.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
46.99%
No watch items at this period.

Capitalization

StrongQoQ 0
98
Sub-score

Capital position is strong: Tier 1 RBC 22.33%, CET1 22.33%, leverage 9.59%.

Tier 1 RBC
22.33%
CET1
22.33%
Leverage
9.59%
No watch items at this period.

Asset Quality

StrongQoQ +1
100
Sub-score

Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD 0.00%.

Adjusted NPL
0.00%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +3
95
Sub-score

Reserves are strong: ALLL 1.45% of loans.

ALLL / Loans
1.45%
Coverage
—
True Loss Coverage
—
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.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 16:15:17 UTC