Visbanking Logo
Skip to main content

Kendall Bank

IDRSSD: 366854
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
70
/ 100
StableAs of 2025-Q3QoQ +12

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 #366854 2025-Q3 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.34% of loans.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.57% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↑ +12 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↑ +9
  • Asset Quality
    ↑ +10
  • Reserves
    ↑ +54

The five pillars

Liquidity

StableQoQ -4
71
Sub-score

Liquidity is stable: brokered 8.7%, loans/deposits 90.9%, cash 4.5% of assets.

Cash / Assets
4.47%
Loans / Deposits
90.93%
Brokered %
8.73%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.66%
No watch items at this period.

Capitalization

WatchQoQ +9
53
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.34%, CET1 10.34%, leverage 7.78%.

Tier 1 RBC
10.34%
CET1
10.34%
Leverage
7.78%
No watch items at this period.

Asset Quality

WatchQoQ +10
55
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.57%, Texas Ratio 18.9%, NCO YTD 2.34%.

Adjusted NPL
2.57%
Govt-guarantees stripped
Texas Ratio
18.9%
NCO YTD
2.34%
30-89 PD
1.74%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.57% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 2.34% of loans.

Reserves

StrongQoQ +54
89
Sub-score

Reserves are strong: ALLL 3.72% of loans, coverage 150.2%, true coverage 150.2%.

ALLL / Loans
3.72%
Coverage
150.2%
True Loss Coverage
150.2%
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: 2026-05-14 14:53:33 UTC