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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
64
/ 100
StableAs of 2025-Q4QoQ +2

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

Quarterly Headline

2025-Q4

Bank #3664588 2025-Q4 Vital Signs Score: 64/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 50.7% of deposits (threshold 30%).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 44.8% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 44.8% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2025:
↑ +2 ptscomposite
  • Liquidity
    ↑ +11
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -5
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ +11
75
Sub-score

Liquidity is stable: brokered 50.7%, loans/deposits 79.3%, cash 14.8% of assets.

Cash / Assets
14.84%
Loans / Deposits
79.28%
Brokered %
50.66%

Watch Items

  • riskBrokered deposits above 30% — Brokered 50.7% 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

WatchQoQ +4
42
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.07%, CET1 10.07%, leverage 6.12%.

Tier 1 RBC
10.07%
CET1
10.07%
Leverage
6.12%
No watch items at this period.

Asset Quality

StableQoQ -5
78
Sub-score

Asset quality is stable: Adjusted NPL 2.48%, Texas Ratio 23.2%, NCO YTD 0.00%.

Adjusted NPL
2.48%
Govt-guarantees stripped
Texas Ratio
23.2%
NCO YTD
0.00%
30-89 PD
0.71%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.48% (govt-guarantees stripped).

Reserves

RiskQoQ 0
27
Sub-score

Reserves are weak: ALLL 1.10% of loans, coverage 44.8%, true coverage 44.8%.

ALLL / Loans
1.10%
Coverage
44.8%
True Loss Coverage
44.8%

Watch Items

  • infoALLL / NPL below 50% — Coverage 44.8% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 44.8% (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