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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-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2025-Q2QoQ +4

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

Quarterly Headline

2025-Q2

Bank #952677 2025-Q2 Vital Signs Score: 87/100 — 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. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 117.3% (threshold 100%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.88% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↑ +4 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    ↑ +8
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +5

The five pillars

Liquidity

WatchQoQ +5
57
Sub-score

Liquidity is deteriorating: brokered 7.2%, loans/deposits 117.3%, cash 1.9% of assets.

Cash / Assets
1.88%
Loans / Deposits
117.32%
Brokered %
7.20%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 117.3% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.88% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.02%
No watch items at this period.

Capitalization

StrongQoQ +8
96
Sub-score

Capital position is strong: Tier 1 RBC 13.85%, CET1 13.85%, leverage 10.19%.

Tier 1 RBC
13.85%
CET1
13.85%
Leverage
10.19%
No watch items at this period.

Asset Quality

StrongQoQ +1
99
Sub-score

Asset quality is strong: Adjusted NPL 0.44%, Texas Ratio 3.3%, NCO YTD 0.01%.

Adjusted NPL
0.44%
Govt-guarantees stripped
Texas Ratio
3.3%
NCO YTD
0.01%
30-89 PD
0.37%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +5
80
Sub-score

Reserves are stable: ALLL 0.89% of loans, coverage 201.4%, true coverage 147.9%.

ALLL / Loans
0.89%
Coverage
201.4%
True Loss Coverage
147.9%
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