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Keystone Bank Ssb

IDRSSD: 1429028
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
80
/ 100
StrongAs 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 #1429028 2025-Q4 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.37% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -6 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -19
  • Reserves
    ↓ -15

The five pillars

Liquidity

StrongQoQ 0
82
Sub-score

Liquidity is strong: brokered 9.7%, loans/deposits 93.3%, cash 10.0% of assets.

Cash / Assets
10.03%
Loans / Deposits
93.32%
Brokered %
9.67%
No watch items at this period.

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

StableQoQ +3
76
Sub-score

Capital position is stable: Tier 1 RBC 11.97%, CET1 11.97%, leverage 9.35%.

Tier 1 RBC
11.97%
CET1
11.97%
Leverage
9.35%
No watch items at this period.

Asset Quality

StrongQoQ -19
81
Sub-score

Asset quality is strong: Adjusted NPL 0.75%, Texas Ratio 5.6%, NCO YTD 2.37%.

Adjusted NPL
0.75%
Govt-guarantees stripped
Texas Ratio
5.6%
NCO YTD
2.37%
30-89 PD
0.24%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 2.37% of loans.

Reserves

StableQoQ -15
66
Sub-score

Reserves are stable: ALLL 0.96% of loans, coverage 129.7%, true coverage 127.5%.

ALLL / Loans
0.96%
Coverage
129.7%
True Loss Coverage
127.5%
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: 2026-05-15 09:29:39 UTC