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Longview Bank

IDRSSD: 380533
Total Assets
—
Latest filing
Total Deposits
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Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
65
/ 100
StableAs of 2025-Q1QoQ -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-Q1

Bank #380533 2025-Q1 Vital Signs Score: 65/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 36.3% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 37.5% (regulatory soft-warning level 50%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.13% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2024:
↓ -7 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -21
  • Reserves
    ↓ -23

The five pillars

Liquidity

StrongQoQ +6
84
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 86.3%, cash 6.5% of assets.

Cash / Assets
6.47%
Loans / Deposits
86.27%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.10%
No watch items at this period.

Capitalization

WatchQoQ +1
57
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.85%, CET1 10.85%, leverage 8.03%.

Tier 1 RBC
10.85%
CET1
10.85%
Leverage
8.03%
No watch items at this period.

Asset Quality

StableQoQ -21
66
Sub-score

Asset quality is stable: Adjusted NPL 2.13%, Texas Ratio 18.8%, NCO YTD 0.35%.

Adjusted NPL
2.13%
Govt-guarantees stripped
Texas Ratio
18.8%
NCO YTD
0.35%
30-89 PD
1.49%
Band 0.3% / 3.0%
90+ PD
1.12%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.13% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.12%.

Reserves

RiskQoQ -23
13
Sub-score

Reserves are weak: ALLL 0.79% of loans, coverage 37.5%, true coverage 36.3%.

ALLL / Loans
0.79%
Coverage
37.5%
True Loss Coverage
36.3%

Watch Items

  • watchALLL / NPL below 50% — Coverage 37.5% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 36.3% (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: 2026-05-12 19:57:12 UTC