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Global Bank

IDRSSD: 3561771
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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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
51
/ 100
WatchAs of 2025-Q3QoQ -4

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 #3561771 2025-Q3 Vital Signs Score: 51/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 16.5% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 16.5% (Adjusted NPL + Performing Mods denominator).
  3. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q2 2025:
↓ -4 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -17
  • Reserves
    ↓ -3

The five pillars

Liquidity

StableQoQ +3
68
Sub-score

Liquidity is stable: brokered 7.1%, loans/deposits 112.1%, cash 6.5% of assets.

Cash / Assets
6.53%
Loans / Deposits
112.08%
Brokered %
7.12%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 112.1% (threshold 100%).

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 13.30%.

Tier 1 RBC
—
CET1
0.00%
Leverage
13.30%

Watch Items

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

Asset Quality

RiskQoQ -17
28
Sub-score

Asset quality is weak: Adjusted NPL 7.07%, Texas Ratio 40.5%, NCO YTD 0.00%.

Adjusted NPL
7.07%
Govt-guarantees stripped
Texas Ratio
40.5%
NCO YTD
0.00%
30-89 PD
3.77%
Band 0.3% / 3.0%
90+ PD
6.42%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 7.07% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 6.42%.

Reserves

RiskQoQ -3
22
Sub-score

Reserves are weak: ALLL 1.15% of loans, coverage 16.5%, true coverage 16.5%.

ALLL / Loans
1.15%
Coverage
16.5%
True Loss Coverage
16.5%

Watch Items

  • riskALLL / NPL below 50% — Coverage 16.5% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 16.5% (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 08:36:19 UTC