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Esb Financial

IDRSSD: 918954
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
78
/ 100
StableAs of 2025-Q4QoQ -9

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 #918954 2025-Q4 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 28.9% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2025:
↓ -9 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -50

The five pillars

Liquidity

StrongQoQ -1
88
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 76.3%, cash 5.8% of assets.

Cash / Assets
5.85%
Loans / Deposits
76.35%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 13.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
13.68%
No watch items at this period.

Capitalization

StrongQoQ -6
82
Sub-score

Capital position is strong: Tier 1 RBC 12.66%, CET1 12.66%, leverage 9.14%.

Tier 1 RBC
12.66%
CET1
12.66%
Leverage
9.14%
No watch items at this period.

Asset Quality

StrongQoQ -2
89
Sub-score

Asset quality is strong: Adjusted NPL 1.74%, Texas Ratio 11.9%, NCO YTD 0.01%.

Adjusted NPL
1.74%
Govt-guarantees stripped
Texas Ratio
11.9%
NCO YTD
0.01%
30-89 PD
0.09%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -50
18
Sub-score

Reserves are weak: ALLL 1.00% of loans, coverage 57.9%, true coverage 28.9%.

ALLL / Loans
1.00%
Coverage
57.9%
True Loss Coverage
28.9%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 28.9% (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: 2026-05-15 02:48:54 UTC