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Industrial Bank

IDRSSD: 536527
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
82
/ 100
StrongAs of 2025-Q1QoQ +4

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 #536527 2025-Q1 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.24% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2024:
↑ +4 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +5
  • Reserves
    ↑ +20

The five pillars

Liquidity

StrongQoQ 0
89
Sub-score

Liquidity is strong: brokered 4.9%, loans/deposits 61.5%, cash 6.5% of assets.

Cash / Assets
6.53%
Loans / Deposits
61.45%
Brokered %
4.93%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.41%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 25.63%, CET1 25.63%, leverage 15.34%.

Tier 1 RBC
25.63%
CET1
25.63%
Leverage
15.34%
No watch items at this period.

Asset Quality

WatchQoQ +5
53
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.24%, Texas Ratio 9.8%, NCO YTD 0.92%.

Adjusted NPL
3.24%
Govt-guarantees stripped
Texas Ratio
9.8%
NCO YTD
0.92%
30-89 PD
4.25%
Band 0.3% / 3.0%
90+ PD
0.11%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.24% (govt-guarantees stripped).

Reserves

StableQoQ +20
70
Sub-score

Reserves are stable: ALLL 2.81% of loans, coverage 89.4%, true coverage 89.4%.

ALLL / Loans
2.81%
Coverage
89.4%
True Loss Coverage
89.4%
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 19:40:03 UTC