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Eastern Savings Bank Fsb

IDRSSD: 643078
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
57
/ 100
WatchAs of 2025-Q4QoQ -2

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 #643078 2025-Q4 Vital Signs Score: 57/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 117.1% (threshold 100%).
  2. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 25.5% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -8
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ 0
64
Sub-score

Liquidity is stable: brokered 24.5%, loans/deposits 117.1%, cash 11.8% of assets.

Cash / Assets
11.83%
Loans / Deposits
117.10%
Brokered %
24.53%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 117.1% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.40%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 28.18%.

Tier 1 RBC
—
CET1
0.00%
Leverage
28.18%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

WatchQoQ -8
55
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.48%, Texas Ratio 11.4%, NCO YTD -0.04%.

Adjusted NPL
4.48%
Govt-guarantees stripped
Texas Ratio
11.4%
NCO YTD
-0.04%
30-89 PD
1.25%
Band 0.3% / 3.0%
90+ PD
1.02%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.48% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.02%.

Reserves

RiskQoQ +1
21
Sub-score

Reserves are weak: ALLL 1.13% of loans, coverage 25.5%, true coverage 25.5%.

ALLL / Loans
1.13%
Coverage
25.5%
True Loss Coverage
25.5%

Watch Items

  • watchALLL / NPL below 50% — Coverage 25.5% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 25.5% (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 10:21:12 UTC