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IDRSSD: 105473
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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
53
/ 100
WatchAs of 2025-Q4QoQ -16

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 #105473 2025-Q4 Vital Signs Score: 53/100 — overall watch. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 22.6% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 22.6% (Adjusted NPL + Performing Mods denominator).
  3. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q3 2025:
↓ -16 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    ↑ +6
  • Capitalization
    — —
  • Asset Quality
    ↓ -30
  • Reserves
    ↓ -67

The five pillars

Liquidity

StrongQoQ +1
85
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 64.5%, cash 3.2% of assets.

Cash / Assets
3.18%
Loans / Deposits
64.48%
Brokered %
0.00%
No watch items at this period.

Securities

RiskQoQ +6
26
Sub-score

Securities profile is weak: securities 42.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
42.08%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 16.90%.

Tier 1 RBC
—
CET1
0.00%
Leverage
16.90%

Watch Items

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

Asset Quality

StableQoQ -30
69
Sub-score

Asset quality is stable: Adjusted NPL 4.11%, Texas Ratio 12.1%, NCO YTD 0.00%.

Adjusted NPL
4.11%
Govt-guarantees stripped
Texas Ratio
12.1%
NCO YTD
0.00%
30-89 PD
0.34%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.11% (govt-guarantees stripped).

Reserves

RiskQoQ -67
14
Sub-score

Reserves are weak: ALLL 0.92% of loans, coverage 22.6%, true coverage 22.6%.

ALLL / Loans
0.92%
Coverage
22.6%
True Loss Coverage
22.6%

Watch Items

  • riskALLL / NPL below 50% — Coverage 22.6% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 22.6% (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: 2026-05-13 08:18:22 UTC