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Inb National Association

IDRSSD: 925037
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
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
76
/ 100
StableAs of 2025-Q3QoQ +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-Q3

Bank #925037 2025-Q3 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 28.9% (Adjusted NPL + Performing Mods denominator).
  2. info
    Brokered deposits above 30%
    Liquidity — Brokered 34.8% of deposits (threshold 30%).

What changed this quarter

Compared to Q2 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ -7

The five pillars

Liquidity

StableQoQ +2
72
Sub-score

Liquidity is stable: brokered 34.8%, loans/deposits 86.6%, cash 14.9% of assets.

Cash / Assets
14.89%
Loans / Deposits
86.55%
Brokered %
34.82%

Watch Items

  • infoBrokered deposits above 30% — Brokered 34.8% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.73%
No watch items at this period.

Capitalization

StableQoQ +4
76
Sub-score

Capital position is stable: Tier 1 RBC 11.90%, CET1 11.90%, leverage 9.64%.

Tier 1 RBC
11.90%
CET1
11.90%
Leverage
9.64%
No watch items at this period.

Asset Quality

StrongQoQ +2
94
Sub-score

Asset quality is strong: Adjusted NPL 1.11%, Texas Ratio 8.2%, NCO YTD 0.11%.

Adjusted NPL
1.11%
Govt-guarantees stripped
Texas Ratio
8.2%
NCO YTD
0.11%
30-89 PD
0.27%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -7
29
Sub-score

Reserves are weak: ALLL 1.05% of loans, coverage 95.9%, true coverage 28.9%.

ALLL / Loans
1.05%
Coverage
95.9%
True Loss Coverage
28.9%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 28.9% (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 14:12:41 UTC