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IDRSSD: 138556
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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
62
/ 100
StableAs of 2025-Q4QoQ -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-Q4

Bank #138556 2025-Q4 Vital Signs Score: 62/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q3 2025:
↓ -4 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    ↑ +2
  • Capitalization
    — —
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -29

The five pillars

Liquidity

StrongQoQ 0
87
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 53.9%, cash 4.3% of assets.

Cash / Assets
4.26%
Loans / Deposits
53.90%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ +2
66
Sub-score

Securities profile is stable: securities 30.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
30.34%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 10.33%.

Tier 1 RBC
—
CET1
0.00%
Leverage
10.33%

Watch Items

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

Asset Quality

StableQoQ 0
76
Sub-score

Asset quality is stable: Adjusted NPL 1.47%, Texas Ratio 6.7%, NCO YTD 0.11%.

Adjusted NPL
1.47%
Govt-guarantees stripped
Texas Ratio
6.7%
NCO YTD
0.11%
30-89 PD
1.89%
Band 0.3% / 3.0%
90+ PD
0.69%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -29
23
Sub-score

Reserves are weak: ALLL 0.80% of loans, coverage 54.8%, true coverage 54.8%.

ALLL / Loans
0.80%
Coverage
54.8%
True Loss Coverage
54.8%
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