Visbanking Logo
Skip to main content

Home Banking Company

IDRSSD: 138556
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2025-Q2QoQ -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-Q2

Bank #138556 2025-Q2 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (stable).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q1 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    ↓ -13
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ +10

The five pillars

Liquidity

StrongQoQ -1
88
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 53.3%, cash 4.4% of assets.

Cash / Assets
4.41%
Loans / Deposits
53.29%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ -13
68
Sub-score

Securities profile is stable: securities 29.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
29.69%
No watch items at this period.

Capitalization

StrongQoQ +2
96
Sub-score

Capital position is strong: Tier 1 RBC 19.59%, CET1 19.59%, leverage 9.15%.

Tier 1 RBC
19.59%
CET1
19.59%
Leverage
9.15%
No watch items at this period.

Asset Quality

StrongQoQ -2
91
Sub-score

Asset quality is strong: Adjusted NPL 0.53%, Texas Ratio 2.5%, NCO YTD 0.61%.

Adjusted NPL
0.53%
Govt-guarantees stripped
Texas Ratio
2.5%
NCO YTD
0.61%
30-89 PD
0.92%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +10
72
Sub-score

Reserves are stable: ALLL 0.88% of loans, coverage 167.5%, true coverage 167.5%.

ALLL / Loans
0.88%
Coverage
167.5%
True Loss Coverage
167.5%
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 20:47:36 UTC