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Independent Bank

IDRSSD: 2666400
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2025-Q1QoQ +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-Q1

Bank #2666400 2025-Q1 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2024:
↑ +1 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ -3
68
Sub-score

Liquidity is stable: brokered 21.7%, loans/deposits 92.4%, cash 7.0% of assets.

Cash / Assets
7.03%
Loans / Deposits
92.37%
Brokered %
21.74%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.47%
No watch items at this period.

Capitalization

StableQoQ +5
67
Sub-score

Capital position is stable: Tier 1 RBC 10.89%, CET1 10.89%, leverage 10.59%.

Tier 1 RBC
10.89%
CET1
10.89%
Leverage
10.59%
No watch items at this period.

Asset Quality

StrongQoQ +2
85
Sub-score

Asset quality is strong: Adjusted NPL 0.32%, Texas Ratio 2.2%, NCO YTD 0.44%.

Adjusted NPL
0.32%
Govt-guarantees stripped
Texas Ratio
2.2%
NCO YTD
0.44%
30-89 PD
1.96%
Band 0.3% / 3.0%
90+ PD
0.29%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ 0
89
Sub-score

Reserves are strong: ALLL 1.17% of loans, coverage 374.2%, true coverage 305.0%.

ALLL / Loans
1.17%
Coverage
374.2%
True Loss Coverage
305.0%
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: 2026-05-13 12:07:15 UTC