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Generations Bank

IDRSSD: 329345
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
84
/ 100
StrongAs of 2025-Q4QoQ +6

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 #329345 2025-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.21% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↑ +6 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +8
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +21

The five pillars

Liquidity

StableQoQ +1
67
Sub-score

Liquidity is stable: brokered 14.6%, loans/deposits 82.0%, cash 2.2% of assets.

Cash / Assets
2.21%
Loans / Deposits
81.97%
Brokered %
14.57%

Watch Items

  • infoCash / Assets below 3% — Cash 2.21% of assets (threshold 3%).

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 +8
92
Sub-score

Capital position is strong: Tier 1 RBC 13.31%, CET1 13.31%, leverage 11.39%.

Tier 1 RBC
13.31%
CET1
13.31%
Leverage
11.39%
No watch items at this period.

Asset Quality

StrongQoQ +2
91
Sub-score

Asset quality is strong: Adjusted NPL 1.41%, Texas Ratio 7.9%, NCO YTD 0.14%.

Adjusted NPL
1.41%
Govt-guarantees stripped
Texas Ratio
7.9%
NCO YTD
0.14%
30-89 PD
0.40%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +21
64
Sub-score

Reserves are stable: ALLL 1.27% of loans, coverage 91.4%, true coverage 91.4%.

ALLL / Loans
1.27%
Coverage
91.4%
True Loss Coverage
91.4%
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 19:21:30 UTC