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Integrity Bank Plus

IDRSSD: 897451
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
74
/ 100
StableAs of 2025-Q1QoQ -18

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 #897451 2025-Q1 Vital Signs Score: 74/100 — 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. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 2.99%.
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.89% (govt-guarantees stripped).
  3. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.13% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2024:
↓ -18 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -45
  • Reserves
    ↓ -46

The five pillars

Liquidity

StrongQoQ +1
80
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 69.8%, cash 1.1% of assets.

Cash / Assets
1.13%
Loans / Deposits
69.77%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.13% of assets (threshold 3%).

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

StrongQoQ 0
100
Sub-score

Capital position is strong: Tier 1 RBC 15.77%, CET1 15.77%, leverage 10.70%.

Tier 1 RBC
15.77%
CET1
15.77%
Leverage
10.70%
No watch items at this period.

Asset Quality

WatchQoQ -45
41
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.89%, Texas Ratio 19.8%, NCO YTD 0.00%.

Adjusted NPL
3.89%
Govt-guarantees stripped
Texas Ratio
19.8%
NCO YTD
0.00%
30-89 PD
2.27%
Band 0.3% / 3.0%
90+ PD
2.99%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.89% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 2.99%.

Reserves

WatchQoQ -46
49
Sub-score

Reserves are deteriorating: ALLL 2.21% of loans, coverage 58.2%, true coverage 58.2%.

ALLL / Loans
2.21%
Coverage
58.2%
True Loss Coverage
58.2%
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: 2026-05-15 01:12:17 UTC