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John Deere Financial Fsb

IDRSSD: 2992547
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
56
/ 100
WatchAs of 2025-Q1QoQ -6

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

Quarterly Headline

2025-Q1

Bank #2992547 2025-Q1 Vital Signs Score: 56/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 282.3% (threshold 100%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 11.3% (Adjusted NPL + Performing Mods denominator).
  3. risk
    ALLL / NPL below 50%
    Reserves — Coverage 11.4% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2024:
↓ -6 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -17
  • Reserves
    ↓ -10

The five pillars

Liquidity

Stable
60
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 282.3%, cash 0.0% of assets.

Cash / Assets
0.03%
Loans / Deposits
282.33%
Brokered %
0.00%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 282.3% (threshold 100%).
  • riskCash / Assets below 3% — Cash 0.03% of assets (threshold 3%).

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

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 23.37%.

Tier 1 RBC
—
CET1
0.00%
Leverage
23.37%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ -17
67
Sub-score

Asset quality is stable: Adjusted NPL 1.33%, Texas Ratio 6.3%, NCO YTD 1.11%.

Adjusted NPL
1.33%
Govt-guarantees stripped
Texas Ratio
6.3%
NCO YTD
1.11%
30-89 PD
4.59%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.11% of loans.

Reserves

RiskQoQ -10
0
Sub-score

Reserves are weak: ALLL 0.15% of loans, coverage 11.4%, true coverage 11.3%.

ALLL / Loans
0.15%
Coverage
11.4%
True Loss Coverage
11.3%

Watch Items

  • riskALLL / NPL below 50% — Coverage 11.4% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 11.3% (Adjusted NPL + Performing Mods denominator).
  • riskALLL / Loans below 0.75% — ALLL 0.15% 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 13:47:29 UTC