Visbanking Logo
Skip to main content

Eaglebank

IDRSSD: 2652092
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2026-Q1QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2026-Q1

Bank #2652092 2026-Q1 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 38.4% (Adjusted NPL + Performing Mods denominator).
  2. info
    Brokered deposits above 30%
    Liquidity — Brokered 34.0% of deposits (threshold 30%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.69% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -4
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ -2
66
Sub-score

Liquidity is stable: brokered 34.0%, loans/deposits 79.6%, cash 5.9% of assets.

Cash / Assets
5.85%
Loans / Deposits
79.65%
Brokered %
33.97%

Watch Items

  • infoBrokered deposits above 30% — Brokered 34.0% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.06%
No watch items at this period.

Capitalization

StrongQoQ +4
98
Sub-score

Capital position is strong: Tier 1 RBC 14.13%, CET1 14.13%, leverage 10.82%.

Tier 1 RBC
14.13%
CET1
14.13%
Leverage
10.82%
No watch items at this period.

Asset Quality

StableQoQ -4
69
Sub-score

Asset quality is stable: Adjusted NPL 2.69%, Texas Ratio 13.7%, NCO YTD 1.45%.

Adjusted NPL
2.69%
Govt-guarantees stripped
Texas Ratio
13.7%
NCO YTD
1.45%
30-89 PD
0.26%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.69% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.45% of loans.

Reserves

WatchQoQ 0
44
Sub-score

Reserves are deteriorating: ALLL 2.10% of loans, coverage 79.9%, true coverage 38.4%.

ALLL / Loans
2.10%
Coverage
79.9%
True Loss Coverage
38.4%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 38.4% (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