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Liberty National Bank

IDRSSD: 68756
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
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
88
/ 100
StrongAs of 2025-Q3QoQ 0

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 #68756 2025-Q3 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.95% of assets (threshold 3%).
  2. info
    Brokered deposits above 30%
    Liquidity — Brokered 30.8% of deposits (threshold 30%).

What changed this quarter

Compared to Q2 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    — —
  • Reserves
    ↓ 0

The five pillars

Liquidity

WatchQoQ -6
55
Sub-score

Liquidity is deteriorating: brokered 30.8%, loans/deposits 83.6%, cash 2.0% of assets.

Cash / Assets
1.95%
Loans / Deposits
83.63%
Brokered %
30.76%

Watch Items

  • infoBrokered deposits above 30% — Brokered 30.8% of deposits (threshold 30%).
  • watchCash / Assets below 3% — Cash 1.95% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 11.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
11.28%
No watch items at this period.

Capitalization

StrongQoQ +4
94
Sub-score

Capital position is strong: Tier 1 RBC 13.63%, CET1 13.63%, leverage 10.54%.

Tier 1 RBC
13.63%
CET1
13.63%
Leverage
10.54%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.03%, Texas Ratio 0.2%, NCO YTD 0.00%.

Adjusted NPL
0.03%
Govt-guarantees stripped
Texas Ratio
0.2%
NCO YTD
0.00%
30-89 PD
0.03%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ 0
88
Sub-score

Reserves are strong: ALLL 1.13% of loans, coverage 3467.6%, true coverage 3467.6%.

ALLL / Loans
1.13%
Coverage
3467.6%
True Loss Coverage
3467.6%
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: 2026-05-14 10:37:06 UTC