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Foresight Bank

IDRSSD: 755458
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
75
/ 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 #755458 2025-Q2 Vital Signs Score: 75/100 — 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. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 16.7% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.94% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ -2
65
Sub-score

Liquidity is stable: brokered 4.1%, loans/deposits 99.3%, cash 1.9% of assets.

Cash / Assets
1.94%
Loans / Deposits
99.35%
Brokered %
4.06%

Watch Items

  • watchCash / Assets below 3% — Cash 1.94% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.87%
No watch items at this period.

Capitalization

StrongQoQ -2
92
Sub-score

Capital position is strong: Tier 1 RBC 13.42%, CET1 13.42%, leverage 10.15%.

Tier 1 RBC
13.42%
CET1
13.42%
Leverage
10.15%
No watch items at this period.

Asset Quality

StrongQoQ -2
90
Sub-score

Asset quality is strong: Adjusted NPL 1.40%, Texas Ratio 10.7%, NCO YTD 0.00%.

Adjusted NPL
1.40%
Govt-guarantees stripped
Texas Ratio
10.7%
NCO YTD
0.00%
30-89 PD
0.48%
Band 0.3% / 3.0%
90+ PD
0.22%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ 0
10
Sub-score

Reserves are weak: ALLL 0.77% of loans, coverage 55.5%, true coverage 16.7%.

ALLL / Loans
0.77%
Coverage
55.5%
True Loss Coverage
16.7%

Watch Items

  • riskTrue Loss Coverage Ratio below 50% — True coverage 16.7% (Adjusted NPL + Performing Mods denominator).

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 01:17:44 UTC