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Drake Bank

IDRSSD: 3090833
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
60
/ 100
StableAs of 2025-Q3QoQ -13

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 #3090833 2025-Q3 Vital Signs Score: 60/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 32.1% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 33.9% (regulatory soft-warning level 50%).
  3. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.38% of loans.

What changed this quarter

Compared to Q2 2025:
↓ -13 ptscomposite
  • Liquidity
    ↑ +8
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -42
  • Reserves
    ↓ -38

The five pillars

Liquidity

StrongQoQ +8
81
Sub-score

Liquidity is strong: brokered 14.4%, loans/deposits 88.9%, cash 10.4% of assets.

Cash / Assets
10.38%
Loans / Deposits
88.90%
Brokered %
14.43%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.77%
No watch items at this period.

Capitalization

StableQoQ +4
64
Sub-score

Capital position is stable: Tier 1 RBC 11.21%, CET1 11.21%, leverage 8.35%.

Tier 1 RBC
11.21%
CET1
11.21%
Leverage
8.35%
No watch items at this period.

Asset Quality

WatchQoQ -42
40
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.26%, Texas Ratio 26.8%, NCO YTD 2.38%.

Adjusted NPL
3.26%
Govt-guarantees stripped
Texas Ratio
26.8%
NCO YTD
2.38%
30-89 PD
2.96%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.26% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 2.38% of loans.

Reserves

RiskQoQ -38
21
Sub-score

Reserves are weak: ALLL 1.09% of loans, coverage 33.9%, true coverage 32.1%.

ALLL / Loans
1.09%
Coverage
33.9%
True Loss Coverage
32.1%

Watch Items

  • watchALLL / NPL below 50% — Coverage 33.9% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 32.1% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-14 03:58:07 UTC