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Essa Bank And Trust

IDRSSD: 952677
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2025-Q1QoQ -1

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

Quarterly Headline

2025-Q1

Bank #952677 2025-Q1 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.33% of assets (threshold 3%).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 103.2% (threshold 100%).

What changed this quarter

Compared to Q4 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +2

The five pillars

Liquidity

WatchQoQ -2
52
Sub-score

Liquidity is deteriorating: brokered 18.6%, loans/deposits 103.2%, cash 1.3% of assets.

Cash / Assets
1.33%
Loans / Deposits
103.15%
Brokered %
18.61%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.2% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.33% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.08%
No watch items at this period.

Capitalization

StrongQoQ -5
88
Sub-score

Capital position is strong: Tier 1 RBC 12.87%, CET1 12.87%, leverage 10.21%.

Tier 1 RBC
12.87%
CET1
12.87%
Leverage
10.21%
No watch items at this period.

Asset Quality

StrongQoQ +3
98
Sub-score

Asset quality is strong: Adjusted NPL 0.46%, Texas Ratio 3.4%, NCO YTD -0.01%.

Adjusted NPL
0.46%
Govt-guarantees stripped
Texas Ratio
3.4%
NCO YTD
-0.01%
30-89 PD
0.51%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +2
75
Sub-score

Reserves are stable: ALLL 0.84% of loans, coverage 185.2%, true coverage 137.4%.

ALLL / Loans
0.84%
Coverage
185.2%
True Loss Coverage
137.4%
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.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 14:46:09 UTC