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Lead Bank

IDRSSD: 893855
Total Assets
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Latest filing
Total Deposits
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Latest filing
Net Interest Margin
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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
70
/ 100
StableAs of 2025-Q3QoQ +1

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 #893855 2025-Q3 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Uninsured deposits above 50%
    Liquidity — Uninsured 107.8% of deposits (threshold 50%).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 49.3% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 49.3% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ +2
67
Sub-score

Liquidity is stable: brokered 18.9%, loans/deposits 52.5%, cash 29.6% of assets.

Cash / Assets
29.61%
Loans / Deposits
52.51%
Brokered %
18.92%

Watch Items

  • riskUninsured deposits above 50% — Uninsured 107.8% of deposits (threshold 50%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.09%
No watch items at this period.

Capitalization

StrongQoQ +5
93
Sub-score

Capital position is strong: Tier 1 RBC 32.13%, CET1 32.13%, leverage 8.35%.

Tier 1 RBC
32.13%
CET1
32.13%
Leverage
8.35%
No watch items at this period.

Asset Quality

WatchQoQ -3
57
Sub-score

Asset quality is deteriorating: Adjusted NPL 1.94%, Texas Ratio 9.7%, NCO YTD 0.36%.

Adjusted NPL
1.94%
Govt-guarantees stripped
Texas Ratio
9.7%
NCO YTD
0.36%
30-89 PD
4.27%
Band 0.3% / 3.0%
90+ PD
1.44%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.44%.

Reserves

RiskQoQ +1
24
Sub-score

Reserves are weak: ALLL 0.95% of loans, coverage 49.3%, true coverage 49.3%.

ALLL / Loans
0.95%
Coverage
49.3%
True Loss Coverage
49.3%

Watch Items

  • infoALLL / NPL below 50% — Coverage 49.3% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.3% (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: 2026-05-15 08:37:48 UTC