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Kennebec Savings Bank

IDRSSD: 583905
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
85
/ 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 #583905 2025-Q3 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 109.3% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.06% of assets (threshold 3%).
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.61% of loans.

What changed this quarter

Compared to Q2 2025:
↑ 0 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ 0

The five pillars

Liquidity

WatchQoQ 0
54
Sub-score

Liquidity is deteriorating: brokered 13.1%, loans/deposits 109.3%, cash 2.1% of assets.

Cash / Assets
2.06%
Loans / Deposits
109.32%
Brokered %
13.13%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 109.3% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.06% 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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.23%, CET1 17.23%, leverage 13.41%.

Tier 1 RBC
17.23%
CET1
17.23%
Leverage
13.41%
No watch items at this period.

Asset Quality

StrongQoQ +2
100
Sub-score

Asset quality is strong: Adjusted NPL 0.36%, Texas Ratio 2.2%, NCO YTD 0.02%.

Adjusted NPL
0.36%
Govt-guarantees stripped
Texas Ratio
2.2%
NCO YTD
0.02%
30-89 PD
0.22%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ 0
64
Sub-score

Reserves are stable: ALLL 0.61% of loans, coverage 169.6%, true coverage 164.3%.

ALLL / Loans
0.61%
Coverage
169.6%
True Loss Coverage
164.3%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.61% 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: 2026-05-12 19:58:31 UTC