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Esb Financial

IDRSSD: 918954
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
78
/ 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 #918954 2026-Q1 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 42.4% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2025:
↓ 0 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -8
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +6

The five pillars

Liquidity

StrongQoQ +3
91
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 76.6%, cash 7.4% of assets.

Cash / Assets
7.40%
Loans / Deposits
76.60%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 11.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
11.92%
No watch items at this period.

Capitalization

StableQoQ -8
74
Sub-score

Capital position is stable: Tier 1 RBC 12.00%, CET1 12.00%, leverage 8.86%.

Tier 1 RBC
12.00%
CET1
12.00%
Leverage
8.86%
No watch items at this period.

Asset Quality

StrongQoQ +1
90
Sub-score

Asset quality is strong: Adjusted NPL 1.51%, Texas Ratio 10.8%, NCO YTD 0.07%.

Adjusted NPL
1.51%
Govt-guarantees stripped
Texas Ratio
10.8%
NCO YTD
0.07%
30-89 PD
0.44%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +6
24
Sub-score

Reserves are weak: ALLL 0.96% of loans, coverage 64.0%, true coverage 42.4%.

ALLL / Loans
0.96%
Coverage
64.0%
True Loss Coverage
42.4%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 42.4% (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: 2026-05-15 02:48:54 UTC