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IDRSSD: 815754
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
82
/ 100
StrongAs of 2025-Q4QoQ -3

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 #815754 2025-Q4 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.80% of assets (threshold 3%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.62% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -9

The five pillars

Liquidity

WatchQoQ -1
54
Sub-score

Liquidity is deteriorating: brokered 24.0%, loans/deposits 90.1%, cash 0.8% of assets.

Cash / Assets
0.80%
Loans / Deposits
90.08%
Brokered %
23.97%

Watch Items

  • riskCash / Assets below 3% — Cash 0.80% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ -2
96
Sub-score

Capital position is strong: Tier 1 RBC 14.24%, CET1 14.24%, leverage 11.73%.

Tier 1 RBC
14.24%
CET1
14.24%
Leverage
11.73%
No watch items at this period.

Asset Quality

StrongQoQ -4
91
Sub-score

Asset quality is strong: Adjusted NPL 0.36%, Texas Ratio 2.3%, NCO YTD 0.21%.

Adjusted NPL
0.36%
Govt-guarantees stripped
Texas Ratio
2.3%
NCO YTD
0.21%
30-89 PD
1.49%
Band 0.3% / 3.0%
90+ PD
0.17%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -9
64
Sub-score

Reserves are stable: ALLL 0.62% of loans, coverage 171.8%, true coverage 171.8%.

ALLL / Loans
0.62%
Coverage
171.8%
True Loss Coverage
171.8%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.62% of loans.

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 02:24:23 UTC