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Lead Bank

IDRSSD: 893855
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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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
66
/ 100
StableAs of 2025-Q4QoQ -4

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 #893855 2025-Q4 Vital Signs Score: 66/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Uninsured deposits above 50%
    Liquidity — Uninsured 120.5% of deposits (threshold 50%).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 3.27% of loans.
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.69%.

What changed this quarter

Compared to Q3 2025:
↓ -4 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -18
  • Reserves
    ↑ +4

The five pillars

Liquidity

StableQoQ +3
70
Sub-score

Liquidity is stable: brokered 14.5%, loans/deposits 46.7%, cash 36.2% of assets.

Cash / Assets
36.18%
Loans / Deposits
46.75%
Brokered %
14.52%

Watch Items

  • riskUninsured deposits above 50% — Uninsured 120.5% of deposits (threshold 50%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.97%
No watch items at this period.

Capitalization

StrongQoQ -3
90
Sub-score

Capital position is strong: Tier 1 RBC 23.36%, CET1 23.36%, leverage 7.68%.

Tier 1 RBC
23.36%
CET1
23.36%
Leverage
7.68%
No watch items at this period.

Asset Quality

RiskQoQ -18
39
Sub-score

Asset quality is weak: Adjusted NPL 2.03%, Texas Ratio 11.6%, NCO YTD 3.27%.

Adjusted NPL
2.03%
Govt-guarantees stripped
Texas Ratio
11.6%
NCO YTD
3.27%
30-89 PD
3.99%
Band 0.3% / 3.0%
90+ PD
1.69%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.03% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.69%.
  • riskNet charge-offs elevated — NCO YTD 3.27% of loans.

Reserves

RiskQoQ +4
28
Sub-score

Reserves are weak: ALLL 1.04% of loans, coverage 51.5%, true coverage 51.5%.

ALLL / Loans
1.04%
Coverage
51.5%
True Loss Coverage
51.5%
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 08:37:48 UTC