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Kendall Bank

IDRSSD: 366854
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
63
/ 100
StableAs of 2026-Q1QoQ -2

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

Quarterly Headline

2026-Q1

Bank #366854 2026-Q1 Vital Signs Score: 63/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 37.0% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.18% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +4
  • Reserves
    ↓ -28

The five pillars

Liquidity

StableQoQ +4
63
Sub-score

Liquidity is stable: brokered 28.5%, loans/deposits 93.1%, cash 6.9% of assets.

Cash / Assets
6.94%
Loans / Deposits
93.14%
Brokered %
28.50%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.06%
No watch items at this period.

Capitalization

WatchQoQ +2
44
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.33%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.33%

Watch Items

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

Asset Quality

StableQoQ +4
74
Sub-score

Asset quality is stable: Adjusted NPL 3.18%, Texas Ratio 23.2%, NCO YTD 0.00%.

Adjusted NPL
3.18%
Govt-guarantees stripped
Texas Ratio
23.2%
NCO YTD
0.00%
30-89 PD
0.38%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.18% (govt-guarantees stripped).

Reserves

WatchQoQ -28
41
Sub-score

Reserves are deteriorating: ALLL 2.20% of loans, coverage 70.6%, true coverage 37.0%.

ALLL / Loans
2.20%
Coverage
70.6%
True Loss Coverage
37.0%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 37.0% (Adjusted NPL + Performing Mods denominator).

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