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Eaglebank

IDRSSD: 2652092
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
74
/ 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 #2652092 2025-Q3 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 7.41% of loans.
  2. watch
    Brokered deposits above 30%
    Liquidity — Brokered 37.1% of deposits (threshold 30%).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.29% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↑ +3 ptscomposite
  • Liquidity
    ↑ +15
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ 0
  • Reserves
    ↓ 0

The five pillars

Liquidity

StableQoQ +15
72
Sub-score

Liquidity is stable: brokered 37.1%, loans/deposits 76.9%, cash 7.8% of assets.

Cash / Assets
7.83%
Loans / Deposits
76.90%
Brokered %
37.11%

Watch Items

  • watchBrokered deposits above 30% — Brokered 37.1% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.71%
No watch items at this period.

Capitalization

StrongQoQ -2
96
Sub-score

Capital position is strong: Tier 1 RBC 13.85%, CET1 13.85%, leverage 10.57%.

Tier 1 RBC
13.85%
CET1
13.85%
Leverage
10.57%
No watch items at this period.

Asset Quality

WatchQoQ 0
58
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.29%, Texas Ratio 17.2%, NCO YTD 7.41%.

Adjusted NPL
3.29%
Govt-guarantees stripped
Texas Ratio
17.2%
NCO YTD
7.41%
30-89 PD
0.40%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.29% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 7.41% of loans.

Reserves

WatchQoQ 0
44
Sub-score

Reserves are deteriorating: ALLL 2.10% of loans, coverage 65.1%, true coverage 45.3%.

ALLL / Loans
2.10%
Coverage
65.1%
True Loss Coverage
45.3%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 45.3% (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: 2026-05-13 12:07:34 UTC