Liquidity
StableQoQ 0
78
Sub-score
Liquidity is stable: brokered 6.2%, loans/deposits 78.6%, cash 3.8% of assets.
- Cash / Assets
- 3.83%
- Loans / Deposits
- 78.62%
- Brokered %
- 6.24%
No watch items at this period.
First Independent Bank
IDRSSD: 761851
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
81
/ 100
StrongAs of 2025-Q3QoQ -6
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 #761851 2025-Q3 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).
Liquidity:Stable
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Strong
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q2 2025:
↓ -6 ptscomposite
- Liquidity↑ 0
- Securities— —
- Capitalization↓ -22
- Asset Quality↓ -2
- Reserves↓ -2
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 16.3% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 16.29%
SVB watch metric
No watch items at this period.
Capitalization
WatchQoQ -22
49
Sub-score
Capital position is deteriorating: Tier 1 RBC 9.99%, CET1 9.99%, leverage 7.99%.
- Tier 1 RBC
- 9.99%
- CET1
- 9.99%
- Leverage
- 7.99%
No watch items at this period.
Asset Quality
StrongQoQ -2
98
Sub-score
Asset quality is strong: Adjusted NPL 0.24%, Texas Ratio 1.8%, NCO YTD 0.34%.
- Adjusted NPL
- 0.24%
- Texas Ratio
- 1.8%
- NCO YTD
- 0.34%
- 30-89 PD
- 0.27%
- 90+ PD
- 0.06%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ -2
91
Sub-score
Reserves are strong: ALLL 1.22% of loans, coverage 518.5%, true coverage 518.5%.
- ALLL / Loans
- 1.22%
- Coverage
- 518.5%
- True Loss Coverage
- 518.5%
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.tsfor 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: 2026-05-12 21:15:31 UTC