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Dogwood State Bank

IDRSSD: 3047659
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
76
/ 100
StableAs of 2025-Q4QoQ -5

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 #3047659 2025-Q4 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.7% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.55% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ -5 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -7

The five pillars

Liquidity

StableQoQ -6
60
Sub-score

Liquidity is stable: brokered 12.1%, loans/deposits 100.7%, cash 2.6% of assets.

Cash / Assets
2.55%
Loans / Deposits
100.71%
Brokered %
12.14%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.7% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.55% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.02%
No watch items at this period.

Capitalization

StableQoQ -3
69
Sub-score

Capital position is stable: Tier 1 RBC 11.11%, CET1 11.11%, leverage 9.97%.

Tier 1 RBC
11.11%
CET1
11.11%
Leverage
9.97%
No watch items at this period.

Asset Quality

StrongQoQ -6
88
Sub-score

Asset quality is strong: Adjusted NPL 1.02%, Texas Ratio 7.8%, NCO YTD 0.75%.

Adjusted NPL
1.02%
Govt-guarantees stripped
Texas Ratio
7.8%
NCO YTD
0.75%
30-89 PD
0.48%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -7
65
Sub-score

Reserves are stable: ALLL 1.07% of loans, coverage 106.7%, true coverage 105.1%.

ALLL / Loans
1.07%
Coverage
106.7%
True Loss Coverage
105.1%
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: 2026-05-15 09:59:49 UTC