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Independent Bank

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

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2025-Q2QoQ -5

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

Quarterly Headline

2025-Q2

Bank #2666400 2025-Q2 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    Brokered deposits above 30%
    Liquidity — Brokered 31.7% of deposits (threshold 30%).

What changed this quarter

Compared to Q1 2025:
↓ -5 ptscomposite
  • Liquidity
    ↓ -9
  • Securities
    — —
  • Capitalization
    ↓ -12
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -2

The five pillars

Liquidity

WatchQoQ -9
59
Sub-score

Liquidity is deteriorating: brokered 31.7%, loans/deposits 82.2%, cash 3.4% of assets.

Cash / Assets
3.37%
Loans / Deposits
82.21%
Brokered %
31.74%

Watch Items

  • infoBrokered deposits above 30% — Brokered 31.7% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.39%
No watch items at this period.

Capitalization

WatchQoQ -12
55
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.82%, CET1 9.82%, leverage 10.52%.

Tier 1 RBC
9.82%
CET1
9.82%
Leverage
10.52%
No watch items at this period.

Asset Quality

StrongQoQ -2
83
Sub-score

Asset quality is strong: Adjusted NPL 0.36%, Texas Ratio 2.5%, NCO YTD 0.30%.

Adjusted NPL
0.36%
Govt-guarantees stripped
Texas Ratio
2.5%
NCO YTD
0.30%
30-89 PD
2.38%
Band 0.3% / 3.0%
90+ PD
0.34%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -2
88
Sub-score

Reserves are strong: ALLL 1.13% of loans, coverage 314.6%, true coverage 255.1%.

ALLL / Loans
1.13%
Coverage
314.6%
True Loss Coverage
255.1%
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: 2026-05-13 12:07:15 UTC