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Isabella Bank

IDRSSD: 74140
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
87
/ 100
StrongAs of 2025-Q3QoQ 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-Q3

Bank #74140 2025-Q3 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 Q2 2025:
↓ 0 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    — —
  • Reserves
    ↓ -9

The five pillars

Liquidity

StrongQoQ +5
93
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 72.8%, cash 7.3% of assets.

Cash / Assets
7.29%
Loans / Deposits
72.78%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.32%
No watch items at this period.

Capitalization

StableQoQ 0
75
Sub-score

Capital position is stable: Tier 1 RBC 12.26%, CET1 12.26%, leverage 8.61%.

Tier 1 RBC
12.26%
CET1
12.26%
Leverage
8.61%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.24%, Texas Ratio 1.7%, NCO YTD 0.02%.

Adjusted NPL
0.24%
Govt-guarantees stripped
Texas Ratio
1.7%
NCO YTD
0.02%
30-89 PD
0.04%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -9
64
Sub-score

Reserves are stable: ALLL 0.92% of loans, coverage 380.0%, true coverage 66.2%.

ALLL / Loans
0.92%
Coverage
380.0%
True Loss Coverage
66.2%
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: 2026-05-12 00:45:12 UTC