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Foresight Bank

IDRSSD: 556936
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
80
/ 100
StableAs of 2025-Q3QoQ +13

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 #556936 2025-Q3 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.87% of assets (threshold 3%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.09% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↑ +13 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +43
  • Asset Quality
    ↑ +11
  • Reserves
    ↓ -6

The five pillars

Liquidity

StableQoQ 0
78
Sub-score

Liquidity is stable: brokered 0.9%, loans/deposits 80.9%, cash 2.9% of assets.

Cash / Assets
2.87%
Loans / Deposits
80.88%
Brokered %
0.87%

Watch Items

  • infoCash / Assets below 3% — Cash 2.87% 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
0.30%
No watch items at this period.

Capitalization

StrongQoQ +43
93
Sub-score

Capital position is strong: Tier 1 RBC 13.58%, CET1 13.58%, leverage 11.31%.

Tier 1 RBC
13.58%
CET1
13.58%
Leverage
11.31%
No watch items at this period.

Asset Quality

StrongQoQ +11
83
Sub-score

Asset quality is strong: Adjusted NPL 2.09%, Texas Ratio 11.9%, NCO YTD 0.13%.

Adjusted NPL
2.09%
Govt-guarantees stripped
Texas Ratio
11.9%
NCO YTD
0.13%
30-89 PD
0.60%
Band 0.3% / 3.0%
90+ PD
0.18%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.09% (govt-guarantees stripped).

Reserves

RiskQoQ -6
32
Sub-score

Reserves are weak: ALLL 1.11% of loans, coverage 54.0%, true coverage 53.0%.

ALLL / Loans
1.11%
Coverage
54.0%
True Loss Coverage
53.0%
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