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Flatwater Bank

IDRSSD: 493152
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
63
/ 100
StableAs of 2026-Q1QoQ -2

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

Quarterly Headline

2026-Q1

Bank #493152 2026-Q1 Vital Signs Score: 63/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

Liquidity:Stable
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. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.41% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ +11
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -9
  • Reserves
    ↓ -9

The five pillars

Liquidity

StableQoQ +11
70
Sub-score

Liquidity is stable: brokered 21.3%, loans/deposits 81.3%, cash 5.2% of assets.

Cash / Assets
5.21%
Loans / Deposits
81.34%
Brokered %
21.26%
No watch items at this period.

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 -2
43
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.16%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.16%

Watch Items

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

Asset Quality

StableQoQ -9
66
Sub-score

Asset quality is stable: Adjusted NPL 2.41%, Texas Ratio 17.3%, NCO YTD 0.04%.

Adjusted NPL
2.41%
Govt-guarantees stripped
Texas Ratio
17.3%
NCO YTD
0.04%
30-89 PD
3.77%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.41% (govt-guarantees stripped).

Reserves

WatchQoQ -9
44
Sub-score

Reserves are deteriorating: ALLL 1.38% of loans, coverage 57.8%, true coverage 57.8%.

ALLL / Loans
1.38%
Coverage
57.8%
True Loss Coverage
57.8%
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