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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2026-Q1QoQ +2

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

Quarterly Headline

2026-Q1

Bank #653947 2026-Q1 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.64% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↑ +2 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -8
  • Reserves
    ↑ +18

The five pillars

Liquidity

StableQoQ +6
75
Sub-score

Liquidity is stable: brokered 19.1%, loans/deposits 85.1%, cash 8.1% of assets.

Cash / Assets
8.06%
Loans / Deposits
85.06%
Brokered %
19.14%
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
0.15%
No watch items at this period.

Capitalization

WatchQoQ +1
56
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.14%, CET1 10.14%, leverage 9.09%.

Tier 1 RBC
10.14%
CET1
10.14%
Leverage
9.09%
No watch items at this period.

Asset Quality

StableQoQ -8
74
Sub-score

Asset quality is stable: Adjusted NPL 2.64%, Texas Ratio 19.0%, NCO YTD 0.00%.

Adjusted NPL
2.64%
Govt-guarantees stripped
Texas Ratio
19.0%
NCO YTD
0.00%
30-89 PD
0.21%
Band 0.3% / 3.0%
90+ PD
0.78%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.64% (govt-guarantees stripped).

Reserves

WatchQoQ +18
59
Sub-score

Reserves are deteriorating: ALLL 2.42% of loans, coverage 93.8%, true coverage 64.1%.

ALLL / Loans
2.42%
Coverage
93.8%
True Loss Coverage
64.1%
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 19:57:03 UTC