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Fieldpoint Private Bank And Trust

IDRSSD: 3664588
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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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 +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-Q3

Bank #3664588 2025-Q3 Vital Signs Score: 62/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 47.8% of deposits (threshold 30%).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 48.2% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 48.2% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2025:
↑ +4 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +14
  • Reserves
    ↑ +4

The five pillars

Liquidity

StableQoQ -4
65
Sub-score

Liquidity is stable: brokered 47.8%, loans/deposits 93.2%, cash 8.4% of assets.

Cash / Assets
8.40%
Loans / Deposits
93.21%
Brokered %
47.85%

Watch Items

  • riskBrokered deposits above 30% — Brokered 47.8% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

RiskQoQ +3
38
Sub-score

Capital position is weak: Tier 1 RBC 9.57%, CET1 9.57%, leverage 6.35%.

Tier 1 RBC
9.57%
CET1
9.57%
Leverage
6.35%
No watch items at this period.

Asset Quality

StrongQoQ +14
83
Sub-score

Asset quality is strong: Adjusted NPL 2.19%, Texas Ratio 21.8%, NCO YTD 0.00%.

Adjusted NPL
2.19%
Govt-guarantees stripped
Texas Ratio
21.8%
NCO YTD
0.00%
30-89 PD
0.16%
Band 0.3% / 3.0%
90+ PD
0.16%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.19% (govt-guarantees stripped).

Reserves

RiskQoQ +4
27
Sub-score

Reserves are weak: ALLL 1.04% of loans, coverage 48.2%, true coverage 48.2%.

ALLL / Loans
1.04%
Coverage
48.2%
True Loss Coverage
48.2%

Watch Items

  • infoALLL / NPL below 50% — Coverage 48.2% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 48.2% (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: 2026-05-14 10:31:06 UTC