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Iowa State Bank

IDRSSD: 865142
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2025-Q3QoQ -2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q3

Bank #865142 2025-Q3 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.88% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -5

The five pillars

Liquidity

StrongQoQ -1
80
Sub-score

Liquidity is strong: brokered 4.1%, loans/deposits 81.5%, cash 4.9% of assets.

Cash / Assets
4.90%
Loans / Deposits
81.52%
Brokered %
4.13%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.93%
No watch items at this period.

Capitalization

StrongQoQ 0
100
Sub-score

Capital position is strong: Tier 1 RBC 14.80%, CET1 14.80%, leverage 11.14%.

Tier 1 RBC
14.80%
CET1
14.80%
Leverage
11.14%
No watch items at this period.

Asset Quality

StableQoQ -5
62
Sub-score

Asset quality is stable: Adjusted NPL 3.88%, Texas Ratio 20.5%, NCO YTD 0.51%.

Adjusted NPL
3.88%
Govt-guarantees stripped
Texas Ratio
20.5%
NCO YTD
0.51%
30-89 PD
1.05%
Band 0.3% / 3.0%
90+ PD
0.08%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.88% (govt-guarantees stripped).

Reserves

StableQoQ -5
65
Sub-score

Reserves are stable: ALLL 3.19% of loans, coverage 85.0%, true coverage 81.1%.

ALLL / Loans
3.19%
Coverage
85.0%
True Loss Coverage
81.1%
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 01:33:48 UTC