Liquidity
StableQoQ +5
69
Sub-score
Liquidity is stable: brokered 7.2%, loans/deposits 92.6%, cash 3.2% of assets.
- Cash / Assets
- 3.21%
- Loans / Deposits
- 92.64%
- Brokered %
- 7.22%
No watch items at this period.
Ergo Bank
IDRSSD: 599643
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
70
/ 100
StableAs of 2025-Q4QoQ +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-Q4
Bank #599643 2025-Q4 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).
Liquidity:Stable
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Risk
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q3 2025:
↑ +3 ptscomposite
- Liquidity↑ +5
- Securities— —
- Capitalization↓ -1
- Asset Quality↑ +2
- Reserves↑ +12
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 0.8% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 0.77%
SVB watch metric
No watch items at this period.
Capitalization
WatchQoQ -1
58
Sub-score
Capital position is deteriorating: Tier 1 RBC 10.61%, CET1 10.61%, leverage 8.79%.
- Tier 1 RBC
- 10.61%
- CET1
- 10.61%
- Leverage
- 8.79%
No watch items at this period.
Asset Quality
StrongQoQ +2
89
Sub-score
Asset quality is strong: Adjusted NPL 1.71%, Texas Ratio 14.1%, NCO YTD -0.03%.
- Adjusted NPL
- 1.71%
- Texas Ratio
- 14.1%
- NCO YTD
- -0.03%
- 30-89 PD
- 0.14%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
RiskQoQ +12
31
Sub-score
Reserves are weak: ALLL 0.98% of loans, coverage 57.7%, true coverage 57.7%.
- ALLL / Loans
- 0.98%
- Coverage
- 57.7%
- True Loss Coverage
- 57.7%
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.tsfor 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: 2026-05-12 00:43:16 UTC