Visbanking Logo
Skip to main content

Flora Bank And Trust

IDRSSD: 777441
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
88
/ 100
StrongAs of 2025-Q4QoQ -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-Q4

Bank #777441 2025-Q4 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.37% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -4 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -13
  • Reserves
    ↓ -3

The five pillars

Liquidity

StrongQoQ +2
98
Sub-score

Liquidity is strong: brokered 2.9%, loans/deposits 56.4%, cash 11.1% of assets.

Cash / Assets
11.05%
Loans / Deposits
56.43%
Brokered %
2.92%
No watch items at this period.

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

StrongQoQ -2
94
Sub-score

Capital position is strong: Tier 1 RBC 14.77%, CET1 14.77%, leverage 9.25%.

Tier 1 RBC
14.77%
CET1
14.77%
Leverage
9.25%
No watch items at this period.

Asset Quality

StrongQoQ -13
85
Sub-score

Asset quality is strong: Adjusted NPL 0.16%, Texas Ratio 0.9%, NCO YTD 0.00%.

Adjusted NPL
0.16%
Govt-guarantees stripped
Texas Ratio
0.9%
NCO YTD
0.00%
30-89 PD
2.71%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -3
57
Sub-score

Reserves are deteriorating: ALLL 0.37% of loans, coverage 227.2%, true coverage 80.4%.

ALLL / Loans
0.37%
Coverage
227.2%
True Loss Coverage
80.4%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.37% of loans.

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: 2026-05-13 01:18:24 UTC