Liquidity
Liquidity is deteriorating: brokered 42.4%, loans/deposits 56.2%, cash 3.3% of assets.
- Cash / Assets
- 3.27%
- Loans / Deposits
- 56.21%
- Brokered %
- 42.36%
Watch Items
- watchBrokered deposits above 30% — Brokered 42.4% of deposits (threshold 30%).
Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Bank #380878 2025-Q3 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).
Liquidity is deteriorating: brokered 42.4%, loans/deposits 56.2%, cash 3.3% of assets.
Securities profile is strong: securities 0.0% of assets.
Capital position is strong: Tier 1 RBC 15.21%, CET1 15.21%, leverage 8.13%.
Asset quality is strong: Adjusted NPL 0.32%, Texas Ratio 1.8%, NCO YTD 0.00%.
Reserves are stable: ALLL 0.79% of loans, coverage 245.1%, true coverage 245.1%.
functions/src/vitalSignsScore.ts for the complete formula and band anchors.CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.
Generated: 2026-05-13 08:10:39 UTC