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Kentland Federal Savings And Loan Association

IDRSSD: 382274
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
56
/ 100
WatchAs of 2025-Q4QoQ -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-Q4

Bank #382274 2025-Q4 Vital Signs Score: 56/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 13.6% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 13.6% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 6.68% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ -6 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -19
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -4

The five pillars

Liquidity

StrongQoQ +2
90
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 89.3%, cash 12.0% of assets.

Cash / Assets
11.95%
Loans / Deposits
89.27%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.38%
No watch items at this period.

Capitalization

RiskQoQ -19
32
Sub-score

Capital position is weak: Tier 1 RBC 11.17%, CET1 4.22%, leverage 5.19%.

Tier 1 RBC
11.17%
CET1
4.22%
Leverage
5.19%

Watch Items

  • riskCET1 below 7% — CET1 4.22% (threshold 7%).

Asset Quality

WatchQoQ -3
50
Sub-score

Asset quality is deteriorating: Adjusted NPL 6.68%, Texas Ratio 98.7%, NCO YTD 0.13%.

Adjusted NPL
6.68%
Govt-guarantees stripped
Texas Ratio
98.7%
NCO YTD
0.13%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 6.68% (govt-guarantees stripped).
  • watchTexas Ratio above 50% — Texas Ratio 98.7% (industry watch band 50% / risk band 100%).

Reserves

RiskQoQ -4
13
Sub-score

Reserves are weak: ALLL 0.90% of loans, coverage 13.6%, true coverage 13.6%.

ALLL / Loans
0.90%
Coverage
13.6%
True Loss Coverage
13.6%

Watch Items

  • riskALLL / NPL below 50% — Coverage 13.6% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 13.6% (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: 2026-05-13 06:38:11 UTC