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IDRSSD: 653947
Total Assets
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Latest filing
Total Deposits
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Net Interest Margin
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Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2025-Q3QoQ -2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q3

Bank #653947 2025-Q3 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 34.4% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ +13
  • Reserves
    ↓ -27

The five pillars

Liquidity

StableQoQ -2
70
Sub-score

Liquidity is stable: brokered 20.2%, loans/deposits 86.9%, cash 6.6% of assets.

Cash / Assets
6.56%
Loans / Deposits
86.94%
Brokered %
20.16%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.16%
No watch items at this period.

Capitalization

WatchQoQ -2
57
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.12%, CET1 10.12%, leverage 9.47%.

Tier 1 RBC
10.12%
CET1
10.12%
Leverage
9.47%
No watch items at this period.

Asset Quality

StrongQoQ +13
97
Sub-score

Asset quality is strong: Adjusted NPL 0.33%, Texas Ratio 2.6%, NCO YTD 0.00%.

Adjusted NPL
0.33%
Govt-guarantees stripped
Texas Ratio
2.6%
NCO YTD
0.00%
30-89 PD
0.52%
Band 0.3% / 3.0%
90+ PD
0.33%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -27
64
Sub-score

Reserves are stable: ALLL 1.36% of loans, coverage 418.9%, true coverage 34.4%.

ALLL / Loans
1.36%
Coverage
418.9%
True Loss Coverage
34.4%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 34.4% (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: 2026-05-14 19:57:03 UTC