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Insbank

IDRSSD: 2877345
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q4QoQ -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-Q4

Bank #2877345 2025-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.34% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -5 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↓ -12
  • Asset Quality
    ↓ -15
  • Reserves
    ↑ +6

The five pillars

Liquidity

StableQoQ +6
65
Sub-score

Liquidity is stable: brokered 20.6%, loans/deposits 95.0%, cash 6.0% of assets.

Cash / Assets
6.01%
Loans / Deposits
95.03%
Brokered %
20.64%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StableQoQ -12
68
Sub-score

Capital position is stable: Tier 1 RBC 10.97%, CET1 10.97%, leverage 10.66%.

Tier 1 RBC
10.97%
CET1
10.97%
Leverage
10.66%
No watch items at this period.

Asset Quality

StrongQoQ -15
82
Sub-score

Asset quality is strong: Adjusted NPL 0.61%, Texas Ratio 4.5%, NCO YTD 2.34%.

Adjusted NPL
0.61%
Govt-guarantees stripped
Texas Ratio
4.5%
NCO YTD
2.34%
30-89 PD
0.02%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 2.34% of loans.

Reserves

StrongQoQ +6
92
Sub-score

Reserves are strong: ALLL 1.25% of loans, coverage 206.8%, true coverage 206.8%.

ALLL / Loans
1.25%
Coverage
206.8%
True Loss Coverage
206.8%
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 14:04:37 UTC