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Interaudi Bank

IDRSSD: 538802
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
74
/ 100
StableAs of 2025-Q4QoQ -1

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 #538802 2025-Q4 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 25.1% (regulatory soft-warning level 50%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 25.1% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ 0
97
Sub-score

Liquidity is strong: brokered 3.7%, loans/deposits 66.2%.

Cash / Assets
—
Loans / Deposits
66.24%
Brokered %
3.73%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.78%
No watch items at this period.

Capitalization

Stable
75
Sub-score

Capital position is stable: Tier 1 RBC 19.12%, CET1 0.00%, leverage 10.37%.

Tier 1 RBC
19.12%
CET1
0.00%
Leverage
10.37%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ -2
81
Sub-score

Asset quality is strong: Adjusted NPL 2.58%, Texas Ratio 14.2%, NCO YTD 0.00%.

Adjusted NPL
2.58%
Govt-guarantees stripped
Texas Ratio
14.2%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.58% (govt-guarantees stripped).

Reserves

RiskQoQ -1
5
Sub-score

Reserves are weak: ALLL 0.64% of loans, coverage 25.1%, true coverage 25.1%.

ALLL / Loans
0.64%
Coverage
25.1%
True Loss Coverage
25.1%

Watch Items

  • watchALLL / NPL below 50% — Coverage 25.1% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 25.1% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.64% of loans.

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 03:53:09 UTC