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Fidelity Co Operative Bank

IDRSSD: 933377
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
62
/ 100
StableAs of 2025-Q3QoQ -8

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

Quarterly Headline

2025-Q3

Bank #933377 2025-Q3 Vital Signs Score: 62/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 4.95% of loans.
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.34% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↓ -8 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -30
  • Reserves
    ↑ +7

The five pillars

Liquidity

StableQoQ -2
72
Sub-score

Liquidity is stable: brokered 8.3%, loans/deposits 84.7%, cash 3.1% of assets.

Cash / Assets
3.12%
Loans / Deposits
84.70%
Brokered %
8.29%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.20%
No watch items at this period.

Capitalization

RiskQoQ -4
36
Sub-score

Capital position is weak: CET1 0.00%, leverage 8.35%.

Tier 1 RBC
—
CET1
0.00%
Leverage
8.35%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ -30
66
Sub-score

Asset quality is stable: Adjusted NPL 2.34%, Texas Ratio 17.3%, NCO YTD 4.95%.

Adjusted NPL
2.34%
Govt-guarantees stripped
Texas Ratio
17.3%
NCO YTD
4.95%
30-89 PD
0.07%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.34% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 4.95% of loans.

Reserves

WatchQoQ +7
50
Sub-score

Reserves are deteriorating: ALLL 1.44% of loans, coverage 62.7%, true coverage 62.7%.

ALLL / Loans
1.44%
Coverage
62.7%
True Loss Coverage
62.7%
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.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: 2026-05-13 16:48:07 UTC