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Fredonia Valley Bank

IDRSSD: 502447
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
70
/ 100
StableAs of 2025-Q4QoQ +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-Q4

Bank #502447 2025-Q4 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.85%.
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.47% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -5
  • Reserves
    ↑ +10

The five pillars

Liquidity

StrongQoQ +5
98
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 71.0%, cash 9.5% of assets.

Cash / Assets
9.54%
Loans / Deposits
70.96%
Brokered %
0.00%
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

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 11.87%.

Tier 1 RBC
—
CET1
0.00%
Leverage
11.87%

Watch Items

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

Asset Quality

WatchQoQ -5
59
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.47%, Texas Ratio 11.8%, NCO YTD 0.08%.

Adjusted NPL
2.47%
Govt-guarantees stripped
Texas Ratio
11.8%
NCO YTD
0.08%
30-89 PD
1.63%
Band 0.3% / 3.0%
90+ PD
1.85%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.47% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.85%.

Reserves

WatchQoQ +10
52
Sub-score

Reserves are deteriorating: ALLL 1.55% of loans, coverage 63.7%, true coverage 63.7%.

ALLL / Loans
1.55%
Coverage
63.7%
True Loss Coverage
63.7%
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: 2026-05-15 00:02:26 UTC