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Isabella Bank

IDRSSD: 74140
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
82
/ 100
StrongAs of 2025-Q4QoQ -5

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 #74140 2025-Q4 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.20% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ -5 ptscomposite
  • Liquidity
    ↓ -18
  • Securities
    — —
  • Capitalization
    ↓ -12
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +15

The five pillars

Liquidity

StableQoQ -18
74
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 82.3%, cash 1.2% of assets.

Cash / Assets
1.20%
Loans / Deposits
82.30%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.20% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.14%
No watch items at this period.

Capitalization

StableQoQ -12
63
Sub-score

Capital position is stable: Tier 1 RBC 11.20%, CET1 11.20%, leverage 8.43%.

Tier 1 RBC
11.20%
CET1
11.20%
Leverage
8.43%
No watch items at this period.

Asset Quality

StrongQoQ -1
99
Sub-score

Asset quality is strong: Adjusted NPL 0.30%, Texas Ratio 2.3%, NCO YTD 0.01%.

Adjusted NPL
0.30%
Govt-guarantees stripped
Texas Ratio
2.3%
NCO YTD
0.01%
30-89 PD
0.44%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +15
80
Sub-score

Reserves are stable: ALLL 0.89% of loans, coverage 299.8%, true coverage 119.6%.

ALLL / Loans
0.89%
Coverage
299.8%
True Loss Coverage
119.6%
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