Visbanking Logo
Skip to main content

Lead Bank

IDRSSD: 893855
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Vital Signs Report

5-pillar quarterly review (Liquidity, Securities, Capitalization, Asset Quality, Reserves) for 2026-Q1. Composite Vital Signs Score and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2026-Q1QoQ +4

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 #893855 2026-Q1 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. risk
    Uninsured deposits above 50%
    Liquidity — Uninsured 122.9% of deposits (threshold 50%).
  2. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.65%.
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.34% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↑ +4 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +8
  • Reserves
    ↑ +19

The five pillars

Liquidity

StableQoQ -1
69
Sub-score

Liquidity is stable: brokered 15.8%, loans/deposits 45.1%, cash 36.1% of assets.

Cash / Assets
36.06%
Loans / Deposits
45.13%
Brokered %
15.83%

Watch Items

  • riskUninsured deposits above 50% — Uninsured 122.9% of deposits (threshold 50%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.94%
No watch items at this period.

Capitalization

StrongQoQ -1
89
Sub-score

Capital position is strong: Tier 1 RBC 22.40%, CET1 22.40%, leverage 7.42%.

Tier 1 RBC
22.40%
CET1
22.40%
Leverage
7.42%
No watch items at this period.

Asset Quality

WatchQoQ +8
47
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.34%, Texas Ratio 12.3%, NCO YTD 0.83%.

Adjusted NPL
2.34%
Govt-guarantees stripped
Texas Ratio
12.3%
NCO YTD
0.83%
30-89 PD
3.56%
Band 0.3% / 3.0%
90+ PD
1.65%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.34% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.65%.

Reserves

WatchQoQ +19
48
Sub-score

Reserves are deteriorating: ALLL 1.41% of loans, coverage 61.3%, true coverage 61.3%.

ALLL / Loans
1.41%
Coverage
61.3%
True Loss Coverage
61.3%
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%. Pillars with no available metrics are dropped from the denominator (renormalised). See functions/src/vitalSignsScore.ts for exact formula and sub-score band anchors.
Pillar status
Strong ≥ 80, Stable ≥ 60, Watch ≥ 40, Risk < 40. Bands are scoring buckets, NOT regulatory thresholds.
Watch Items
Per-pillar rule trips with severity (Risk / Watch / Info) assigned by how far the metric breaches its threshold. Top-3 panel ranks across pillars: severity dominates, magnitude breaks ties.
Adjusted NPL
Noncurrent loans minus government-guaranteed nonaccrual (sourced from FFIEC Schedule RC-N Memorandum item 2). Strips out exposure with implicit US government backing, the same formula used by the Loan Restructuring Watch builder.
True Loss Coverage Ratio
ALLL ÷ (Adjusted NPL + Performing Mods). Surfaces under-reservation that conventional ALLL/NPL hides when banks aggressively modify rather than charge off.
Past-due 30-89 / 90+ PD
Bank-wide totals from FFIEC Schedule RC-N (30-89 days past due and 90+ days past due still accruing) divided by total loans and leases (net of unearned income). Score bands: 30-89 PD Good 0.3% / Bad 3.0%; 90+ PD Good 0.1% / Bad 2.0%.
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, Watch Item rules, and per-quarter URL surface are Visbanking's own work.

Generated: 2026-05-15 08:37:48 UTC