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Independent Bank

IDRSSD: 2666400
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
74
/ 100
StableAs of 2025-Q3QoQ 0

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 #2666400 2025-Q3 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q2 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -2

The five pillars

Liquidity

WatchQoQ -1
58
Sub-score

Liquidity is deteriorating: brokered 26.7%, loans/deposits 89.1%, cash 3.6% of assets.

Cash / Assets
3.61%
Loans / Deposits
89.06%
Brokered %
26.68%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.38%
No watch items at this period.

Capitalization

WatchQoQ +4
59
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.23%, CET1 10.23%, leverage 10.00%.

Tier 1 RBC
10.23%
CET1
10.23%
Leverage
10.00%
No watch items at this period.

Asset Quality

StableQoQ -5
79
Sub-score

Asset quality is stable: Adjusted NPL 0.27%, Texas Ratio 1.9%, NCO YTD 0.96%.

Adjusted NPL
0.27%
Govt-guarantees stripped
Texas Ratio
1.9%
NCO YTD
0.96%
30-89 PD
2.39%
Band 0.3% / 3.0%
90+ PD
0.20%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -2
86
Sub-score

Reserves are strong: ALLL 1.08% of loans, coverage 399.4%, true coverage 308.5%.

ALLL / Loans
1.08%
Coverage
399.4%
True Loss Coverage
308.5%
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