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Foresight Bank

IDRSSD: 556936
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2025-Q2QoQ -1

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

Quarterly Headline

2025-Q2

Bank #556936 2025-Q2 Vital Signs Score: 67/100 — 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
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.74% of loans.
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.71% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ +5

The five pillars

Liquidity

StableQoQ -5
79
Sub-score

Liquidity is stable: brokered 0.2%, loans/deposits 80.3%, cash 2.7% of assets.

Cash / Assets
2.71%
Loans / Deposits
80.27%
Brokered %
0.21%

Watch Items

  • infoCash / Assets below 3% — Cash 2.71% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.34%
No watch items at this period.

Capitalization

WatchQoQ +1
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 10.62%.

Tier 1 RBC
—
CET1
0.00%
Leverage
10.62%

Watch Items

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

Asset Quality

StableQoQ -2
72
Sub-score

Asset quality is stable: Adjusted NPL 1.81%, Texas Ratio 10.8%, NCO YTD 1.74%.

Adjusted NPL
1.81%
Govt-guarantees stripped
Texas Ratio
10.8%
NCO YTD
1.74%
30-89 PD
0.67%
Band 0.3% / 3.0%
90+ PD
0.06%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.74% of loans.

Reserves

RiskQoQ +5
38
Sub-score

Reserves are weak: ALLL 1.12% of loans, coverage 62.5%, true coverage 61.2%.

ALLL / Loans
1.12%
Coverage
62.5%
True Loss Coverage
61.2%
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: 2026-05-14 03:45:27 UTC