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Flatwater Bank

IDRSSD: 493152
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
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
65
/ 100
StableAs of 2025-Q4QoQ -12

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 #493152 2025-Q4 Vital Signs Score: 65/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.30% of loans.
  3. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.80% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ -12 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -24
  • Reserves
    ↓ -43

The five pillars

Liquidity

WatchQoQ +2
58
Sub-score

Liquidity is deteriorating: brokered 22.2%, loans/deposits 87.1%, cash 1.8% of assets.

Cash / Assets
1.80%
Loans / Deposits
87.13%
Brokered %
22.21%

Watch Items

  • watchCash / Assets below 3% — Cash 1.80% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.46%
No watch items at this period.

Capitalization

WatchQoQ -1
45
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.43%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.43%

Watch Items

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

Asset Quality

StableQoQ -24
74
Sub-score

Asset quality is stable: Adjusted NPL 1.51%, Texas Ratio 11.2%, NCO YTD 2.30%.

Adjusted NPL
1.51%
Govt-guarantees stripped
Texas Ratio
11.2%
NCO YTD
2.30%
30-89 PD
0.20%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 2.30% of loans.

Reserves

WatchQoQ -43
54
Sub-score

Reserves are deteriorating: ALLL 1.19% of loans, coverage 79.9%, true coverage 79.9%.

ALLL / Loans
1.19%
Coverage
79.9%
True Loss Coverage
79.9%
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: 2026-05-12 02:10:45 UTC