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Lineage Bank

IDRSSD: 321152
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
74
/ 100
StableAs of 2025-Q3QoQ -7

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 #321152 2025-Q3 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (risk).

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

Top 3 Watch Items

  1. info
    Brokered deposits above 30%
    Liquidity — Brokered 34.8% of deposits (threshold 30%).

What changed this quarter

Compared to Q2 2025:
↓ -7 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↓ -18
  • Asset Quality
    — —
  • Reserves
    ↓ -14

The five pillars

Liquidity

Strong
80
Sub-score

Liquidity is strong: brokered 34.8%, loans/deposits 64.8%, cash 17.9% of assets.

Cash / Assets
17.87%
Loans / Deposits
64.82%
Brokered %
34.85%

Watch Items

  • infoBrokered deposits above 30% — Brokered 34.8% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.69%
No watch items at this period.

Capitalization

RiskQoQ -18
39
Sub-score

Capital position is weak: Tier 1 RBC 9.59%, CET1 9.59%, leverage 6.63%.

Tier 1 RBC
9.59%
CET1
9.59%
Leverage
6.63%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD 0.01%.

Adjusted NPL
0.00%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
0.01%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -14
54
Sub-score

Reserves are deteriorating: ALLL 1.04% of loans.

ALLL / Loans
1.04%
Coverage
—
True Loss Coverage
—
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 13:17:15 UTC