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Interbank

IDRSSD: 1187001
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
77
/ 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 #1187001 2025-Q4 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.74% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ 0

The five pillars

Liquidity

StableQoQ +2
78
Sub-score

Liquidity is stable: brokered 12.0%, loans/deposits 97.4%, cash 10.2% of assets.

Cash / Assets
10.21%
Loans / Deposits
97.37%
Brokered %
12.00%
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

WatchQoQ -4
54
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.82%, CET1 9.82%, leverage 9.91%.

Tier 1 RBC
9.82%
CET1
9.82%
Leverage
9.91%
No watch items at this period.

Asset Quality

StrongQoQ -2
97
Sub-score

Asset quality is strong: Adjusted NPL 0.56%, Texas Ratio 4.7%, NCO YTD 0.01%.

Adjusted NPL
0.56%
Govt-guarantees stripped
Texas Ratio
4.7%
NCO YTD
0.01%
30-89 PD
0.65%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ 0
60
Sub-score

Reserves are deteriorating: ALLL 0.74% of loans, coverage 133.0%, true coverage 133.0%.

ALLL / Loans
0.74%
Coverage
133.0%
True Loss Coverage
133.0%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.74% 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 04:21:34 UTC