Liquidity
StrongQoQ +4
87
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 73.7%, cash 5.1% of assets.
- Cash / Assets
- 5.14%
- Loans / Deposits
- 73.72%
- Brokered %
- 0.00%
No watch items at this period.
Isabella Bank
IDRSSD: 74140
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2025-Q2
Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
87
/ 100
StrongAs of 2025-Q2QoQ 0
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2025-Q2
Bank #74140 2025-Q2 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).
Liquidity:Strong
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Stable
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q1 2025:
↑ 0 ptscomposite
- Liquidity↑ +4
- Securities— —
- Capitalization↑ +2
- Asset Quality↑ +1
- Reserves↓ -8
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 9.7% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 9.69%
SVB watch metric
No watch items at this period.
Capitalization
StableQoQ +2
75
Sub-score
Capital position is stable: Tier 1 RBC 12.18%, CET1 12.18%, leverage 8.81%.
- Tier 1 RBC
- 12.18%
- CET1
- 12.18%
- Leverage
- 8.81%
No watch items at this period.
Asset Quality
StrongQoQ +1
100
Sub-score
Asset quality is strong: Adjusted NPL 0.09%, Texas Ratio 0.6%, NCO YTD -0.41%.
- Adjusted NPL
- 0.09%
- Texas Ratio
- 0.6%
- NCO YTD
- -0.41%
- 30-89 PD
- 0.08%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StableQoQ -8
73
Sub-score
Reserves are stable: ALLL 0.93% of loans, coverage 1085.9%, true coverage 83.3%.
- ALLL / Loans
- 0.93%
- Coverage
- 1085.9%
- True Loss Coverage
- 83.3%
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.tsfor 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: 2026-05-12 00:45:12 UTC