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IDRSSD: 840251
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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
82
/ 100
StrongAs of 2025-Q4QoQ -5

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 #840251 2025-Q4 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2025:
↓ -5 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -13
  • Reserves
    ↓ -4

The five pillars

Liquidity

StrongQoQ +1
96
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 78.7%, cash 16.7% of assets.

Cash / Assets
16.66%
Loans / Deposits
78.71%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.34%
No watch items at this period.

Capitalization

StableQoQ -4
61
Sub-score

Capital position is stable: Tier 1 RBC 11.23%, CET1 11.23%, leverage 7.65%.

Tier 1 RBC
11.23%
CET1
11.23%
Leverage
7.65%
No watch items at this period.

Asset Quality

StableQoQ -13
79
Sub-score

Asset quality is stable: Adjusted NPL 0.02%, Texas Ratio 0.2%, NCO YTD 0.65%.

Adjusted NPL
0.02%
Govt-guarantees stripped
Texas Ratio
0.2%
NCO YTD
0.65%
30-89 PD
3.07%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -4
87
Sub-score

Reserves are strong: ALLL 1.11% of loans, coverage 4838.7%, true coverage 4838.7%.

ALLL / Loans
1.11%
Coverage
4838.7%
True Loss Coverage
4838.7%
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: 2026-05-13 19:38:12 UTC