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Industrial Bank

IDRSSD: 536527
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
77
/ 100
StableAs of 2025-Q2QoQ -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-Q2

Bank #536527 2025-Q2 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.21% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↓ -4 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -15

The five pillars

Liquidity

StrongQoQ -1
88
Sub-score

Liquidity is strong: brokered 3.4%, loans/deposits 63.6%, cash 5.6% of assets.

Cash / Assets
5.61%
Loans / Deposits
63.55%
Brokered %
3.41%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.47%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 25.62%, CET1 25.62%, leverage 15.35%.

Tier 1 RBC
25.62%
CET1
25.62%
Leverage
15.35%
No watch items at this period.

Asset Quality

WatchQoQ -8
45
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.21%, Texas Ratio 13.0%, NCO YTD 0.18%.

Adjusted NPL
4.21%
Govt-guarantees stripped
Texas Ratio
13.0%
NCO YTD
0.18%
30-89 PD
5.34%
Band 0.3% / 3.0%
90+ PD
0.93%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.21% (govt-guarantees stripped).

Reserves

WatchQoQ -15
56
Sub-score

Reserves are deteriorating: ALLL 2.94% of loans, coverage 72.1%, true coverage 66.7%.

ALLL / Loans
2.94%
Coverage
72.1%
True Loss Coverage
66.7%
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